WillisBack/dataset-financial-user-claim huggingface dataset:
I had car insurance with USAA from XX/XX/XXXX to XX/XX/XXXX and renewed on XX/XX/XXXX and cancelled on XX/XX/XXXX and my payment due date was the second of each month, so when I paid my XX/XX/XXXX and then cancelled on XX/XX/XXXX I received the unused portion as a refund and then in XX/XX/XXXX I received a bill on the credit card of USAA which I was informed to pay since the beginning which I did. I called as soon as I received the bill and was on the phone for over an hour and talked to 7 different people and I got 7 different answers and each month there after I was getting billed including late charges so I contacted the Insurance Commissioners office and they got in touch with USAA and was told I was paid in full and the Commissioners could n't do any more because I was making payments to their on Credit Card Bank ( USAA ), so I gave it to an attorney as USAA turned me to the Credit Bureau which has effected my Credit Score as well as My X wife 's credit. As of XX/XX/XXXX I received a letter from a collection agency which I told to my attorney who forward him all the proof that my Auto premium has been paid along with the letter from the Insurance Commissioner.
XXXX XXXX Equifax, placed a collection for {$290.00} from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on my credit report. I disputed the collection and Equifax investigated and stated the debt was mine. I submitted a request for reinvestigation ( XXXX ) and again Equifax investigated and stated it was mine. I again asked for a reinvestigation ( XXXX ) and finally the debt was removed. XXXX XXXX, this same debt was placed on my credit file this time by XXXX I again disputed ( XXXX ) by a letter referencing all the above investigations and the debt was removed from my file. XXXX XXXX this debt has again been placed on my credit report by the XXXX XXXX XXXX XXXX. I have again submitted a dispute ( XXXX ) at this time the dispute is still pending. This debt belongs to a relative who 's name is similar to mine. However our names are not the same. I have even spoke to Equifax and the agent advised a notice would be placed in my file to ensure my social security number was on any negative information placed on my file. ( I can fax supporting documents )
On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. 

On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. 

On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. 

This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. 

This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. 

Who was the original creditor on this account and what was the account number? 
What was the origianl amount owed? Complete deteailed Payment History? 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? 
What did you pay for this accountANDhow did you calclate the current amount owed?
Barclay 's closed my and my wife 's ( XXXX XXXX XXXX and XXXX XXXX XXXX ) credit cards at the end of XX/XX/XXXX with no notification or justification for the closure. I attempted to use my card and it was declined, which is how I learned of the card closure. We received letters in the mail 2 weeks later that provided a vague reason of we can close accounts at any time we see fit. I had XXXX reward points in my account and my wife had XXXX in reward points at the time of the closure. I asked for those points to be redeemed to our accounts at a value of XXXX cent per point ( {$960.00} and {$160.00} ), which is how we always redeemed our rewards via travel redemptions. Barclays refused to redeem the rewards and said they the points had been lost ( and confiscated ). I do not believe this is how this should have been handled and I request that Barclays honors the rewards points I had in my and my wife 's account and reimburse us for those confiscated points.
I have previously submitted a complaint against CBE Group XX/XX/XXXX for contacting me after a cease and desist was requested. Please see [ Case number : XXXX ]. 
On XXXX XXXX XXXX at XXXX I received a call from CBE Group ( XXXX ) then again on XXXX XXXX XXXX at XXXX Mountain Standard Time. This is harassment and the company previously assured me I would not get any more calls. They are in violation of my rights as a consumer. Each violation carries a {$1000.00} fine plus damages. I have my phone records for proof.
XXXX SHELLPOINT MORTGAGE SERVICING is NEGATIVELY AFFECTING MY CREDIT and I am NOT in ARREARS! A few months ago, I switched to a bi-monthly pay system so they actually take half my payment 2 weeks EARLY and the balance on the due date. 

I have XXXX credit monitoring set up so I just received notification that Shellpoint has been posting derrogatory activity every month since this started!?! I have had numerous complaints about this company fro Day XXXX  Why is this company not being investigated for their mistakes and horrible service??? My score has dropped from XXXX to XXXX as a result!!! I WANT THIS FIXED IMMEDIATELY!!
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
The original creditor is XXXX XXXX XXXX XXXX {$8100.00}
I received a " Notice of Collection Placement '' from EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ) for a XXXX XXXX account. The statement date is XX/XX/2018. The amount due is {$1100.00} ( {$1000.00} of principal and {$100.00} coll. costs ). 

I do not have XXXX XXXX account. I have never had a XXXX XXXX account. XXXX XXXX has never contacted me in regards to any debt I have with them. 

I contacted XXXX XXXX today ( XX/XX/2018 ) and they verbally confirmed that I do not have an account with them. They searched by name and account number, and found nothing.
In XX/XX/XXXX my Chapter XXXX Bankruptcy was approved in the XXXX XXXX BK Court, and a XXXX mortgage from Bank of America was crammed down to a balance of {$27000.00} and payments of {$100.00} per month were to commence starting XX/XX/XXXX. The Trustee XXXX XXXX ( XXXX XXXX, CA ) made XXXX payments of {$100.00} each to Bank of America, they then sold or transferred the loan to XXXX XXXX XXXX, XXXX in XX/XX/XXXX. The first payment of {$100.00} was due and mailed to XXXX XXXX, XXXX in XX/XX/XXXX as per their request. XXXX Recieved XXXX further payments of {$100.00} each, until I got a XXXX Mortgage in XXXX and paid off all lien holders except the XXXX Mortgage at XXXX Mortgage of seeking a discharge, which is now in process. The Escrow was opne at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. When they requested a demand for payoff from XXXX XXXX, XXXX submitted a payoff demand of {$27.00}, XXXX with an amount in excess of {$1000.00} calling it a short payment. The true and correct demand should be {$23.00}, XXXX. When questioned by me they said that Bank of America had entered an extra fee after transfer of the loan in XX/XX/XXXX and they were collecting that. I told XXXX XXXX, XXXX that I had called Bank of America and they said they had transferred a balance of {$26000.00} only. On further checking I learned that they Bank of America had made an ectry on my account of {$1000.00} in XX/XX/XXXX after releasing the loan, this is not permitted by Bankruptcy law and they are well aware of it, if they are seeking additional fees they must apply to the BK Court in XXXX XXXX, hold a hearing and get permission from the Court based on the application by their lawyers. over the course of XXXX years they have had XXXX different law firms represent them in my case, so they are not lacking for knowledge or information in this respect. This is clearly willfull disregard of the BK laws and they were seeking to make additional money when they can not do that. I have called both Bank of America and XXXX XXXX, XXXX again today and neither has provided any answers or a solution. Bank of America says the notes on my account state that the research ticket is closed due to the Service Release and XXXX XXXX, XXXX says they have no additional knowledge, but they did tell me that the payoff that they recieved from XXXX XXXX XXXX XXXX of {$27000.00} was still short, even though it was based on their own demand and they have not provided a re conveyance nor a refund. This is a joint complaint against both Bank of America and XXXX XXXX XXXX, XXXX for willful disregard of BK laws and acting behind the scenes to inflate my payoff when legally they have received XXXX payments of {$100.00} from the Trustee XXXX XXXX 's office and the payoff and balance should be {$2300.00}. Kindly contact both banks and research the matter and get my due refund of {$1000.00} from XXXX, XXXX. XXXX and a re conveyance as their loan has been paid off. Thank you.
There are several issues related to this complaint in dealing with Shellpoint. I 'm numbering the issues to ensure each issue is addressed. 1. Shellpoint is in violation of CAHBOR by issuing a sale date on a home while it 's under a work out solution. At issue is this short sale request that has been in process for months. We advised the lender on X/X/17 that our previous buyer had walked due to significant repairs needing to be done on the property and submitted a new offer to Shellpoint on X/XX/17 at which time the file fell under a foreclosure alternative work out program as outlined by CAHBOR. At that time Shellpoint was legally required by law to postpone the foreclosure sale date and they did not. This is violation of state law and Shellpoint routinely violates this law and this practice must CEASE and DESIST immediately. 2. The person assigned to the short sale request at Shellpoint is named XXXX XXXX. XXXX XXXX confirmed receipt of offer on X/XX/17 and advised he needed the junior lien holder pay off letter and that was all that was needed. On X/XX/17 XXXX XXXX advised customer support that he was requesting a 2nd lien mortgage statement ( which he never asked for, he asked for a pay off ). The problem is that on X/XX/17 XXXX XXXX was advised he had the 2nd lien pay off and he stated he would run the numbers for the short sale and they were close enough to the last offer and we should be okay. He never ran the numbers, he did n't do his job and then he tried to cover for his negligence. We had to have another person at Shellpoint write into the notes that the docs were in the system the previous week on the date previously advised for tracking purposes so XXXX XXXX could n't blame us for not getting docs in time. XXXX XXXX then stated on X/XX/17 that it was now too late to get an approval because he did n't do this job last week. This is unacceptable as is unacceptable that there is a sale date scheduled on a property that is a work out resolution status and can not even have a sale date due to CA state law.
I have XXXX accounts on my transunion credit report that not being reported correctly. THE FIRST ACCOUNT IS XXXX THE ACCOUNT NUMBER XXXX. I HAVE DOCUMENTS TO SHOW WHY I BELIEVE THE INFORMATION IS BEING REPORTED INCORRECTLY. SO LETS START WITH XXXX I AM MISSING TRADELINE OF THIS ACCOUNT ON MY CREDIT REPORT. THIS CAR WAS FINANZE FROM XXXX ON XX/XX/XXXX AND ON TH RATING PART ON MY CREDIT FILE IT DOESNT SHOW THAT DAT ANY MORE BUT ON MY EARLIER CREDIT REPORT IS SHOWS THAT AND I WANT THIS PUT BACK ON AND STAY ON. I HAVE MY INSTALLMENT AGREEMENT THAT SHOWS THAT DATE AS I AM REPORTING. SO I AM DISPUTING THE MISSING TRADELINE ON MY CREDIT REPORT. I AM MISSING THE BALANCE ON MY CREDIT FILE ON MY EARLIER CREDIT FILE IT SHOWS THAT BUT ON THIS IT DOESNT SHOW THAT. I AM MISSING THE HIGH BALANCE COLUMN ON MY CREDIT REPORT IS SHOWING IN BRACKETS ON THE BOTTOM STATING AS HIGH BALANCE OF XXXX FROM XX/XX/XXXX TO XX/XX/XXXX THAT INFOMATION IS BEING REPORTED INCORRECTLY. I WANT THAT REMOVED OFF MY CREDIT FILE AND I WANT THE COLUMN AS SUCH BEFORE THAT SHOW HIGH BALANCE AS XXXX LIKE IT STATES ON MY EARLIER CREDIT REPORT. WHNE YOU LOOK AT THE INSTALLMENT AGREEMENT IT STATES HIGH CREDIT XXXX AT THE START OF THE LOAN FINANZE. ON THIS ACCOUNT I SHOULD HAVE LAST PAYMENT MADE FOR XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PLUS THE TRADELINE AS XX/XX/XXXX IT SHOULD SHOW XXXX FOR RATING PART ON THIS CREDIT FILE. WHEN I GOT FINANZE I WAS INFORMED PAYMENT ARE DUE ON THE 4 DAY OF EACH MONTH AND I WAS INFORMED THEY UPDATED MY CREDIT FILE ON THE 14 DAY OF EACH MONTH AND THEY UPDATE MONTHLY BUT I DONT SEE SOMETIMES THEY UPDATE WHEN THEY FEEL LIKE IT. I WANT THIS ACCOUNT UPDATED CORRECTLY AND I WANT MY DOCUMENTS TO SHOW AS MY DISPUTES. ON MY XXXX XXXX ACOUNT XXXX THIS ACCOUNT NEEDS TO BE UPDATED ON MY DATE OF LAST PAYMENT IS SHOWING AS XX/XX/XXXX. BUT ON MY RATING PART ON THIS ACCOUNT IS SHOWING CORRECTLY FOR XX/XX/XXXX. I WANT DATE OF LAST PAYMENT TO SHOW AS CURRENT MONTH AS MY LAST PAYMENT. I WAS INFORMED FROM XXXX XXXX IT SHOULD BE SHOWING XX/XX/XXXX SINCE THEY REPORTED RECENTLY SO MY LAST PAYMENT DATE SHOULD BE REFLEXING XX/XX/XXXX AS MY DATE OF LAST PAYMENT. I WANT PAYMENT RECEIVED UPDATED,. I WANT THIS COLUMN UPDATED EACH MONTH WHN IT GET UPDATED FROM THE CREDITOR BUT THAT THE ONLY ISSUE I HAVE ON THIS ACCOUNT
Hello, when it comes to my credit score i take that very serious. My score was XXXX  the it dropped to XXXX  which was not a big deal. However i paid off two of my credit cards debt for about {$1800.00} i was expecting my score to go up instead it dropped down by 22 points. I don't like the way this work it sounds like a scam to me no matter what i tried to keep it up it still going down.
During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. 
I had suddenly became a victim of extortion by the XXXX XXXX company.
Not valid. I have asked them and written to them to cease and desist from any communication and or credit reporting and they have not. They are in violation of the FDCPA and demand that their negative credit reporting be removed
Credit card company increased minimum payment by almost 300 %. 
Card had no limit and we always paid on time.
US bank is holding a deposit for extended time. I normally have my paycheck deposited remotely for the pat 2 + years and they hold $XXXX then release the balance 24 hours later. Now with my recent deposit  onXX/XX/2018 for $XXXX they decided to without  warning hold a large portion of my funds for and extra 7 days. This severely affects my family and is not acceptable. How can a bank change or enforce policy as they feel fit? I have spoken to them and no one in their organization is willing to do any thing. I called the brach where the deposit was made and they wont help. My family now suffers because a corporate monster decides to hold my hard earned money, unacceptable!!
No loan was taken out but there are several soft inquiries from the company on my report as recent as XX/XX/2018, hadnt been in contact with the company nor have I given them the approval for running anything in my name. Tried contacting them several times and hadnt had any luck with them stopping
On the morning of XX/XX/XXXX, XXXX XXXX called a relative of mine, stating that I put them as a reference ( when I did not ), who answered the phone and was informed they were looking for me. They specifically stated that they were from XXXX XXXX, associated with XXXX XXXX XXXX, which is a direct violation of the Fair Debt Collections Act ( FDCA ). They can call references, but can not inform them of any accounts I may or may not have. 
Along with that, they contacted another friend of mine and left a whole voicemail, stating they were from XXXX XXXX, and threatening with an attorney. I have a copy of that voicemail, which I have attached. On that same day, they contacted my brother saying they were looking for me and that they were from XXXX XXXX, and a certain debt collectors agency. 
Exposing they are from XXXX, along with associated with XXXX XXXX XXXX is a direct violation of the FDCA.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. XXXX XXXX XXXX XXXX Pays 31-60 Days 2. Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Personal Services Not Medical XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record 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 XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
I am reporting Calvalry Portfolio Services for illegally reporting false information to the XXXX Credit Bureau. It can be found under the Public Record section of my credit report. They have deceived the credit bureaus to intentionally re-age the debt. 

The background of this debt : This account with orignially with XXXX and openedaround XXXX XXXX. 

I have the records indicating the first missed payment was XXXX XXXX. It was charged off XXXX XXXX. 

This account is only supposed to continue on record until XX/XX/XXXXCalvalry 's False Claims:1. ) They claim to have served me notice on XXXX XXXX XXXX. This is inaccurate. I received no claim and had no knowledge of Calvalry 's identity or that the debt changed hands. Calvalry can not provide any evidence for this claim. 

2. ) They claim that their law firm, XXXX XXXX served me notice on XXXX XXXX XXXX. This is also false, I received no such notice and neither Calvary or the law firm has any evidence to support the claim. 

3. ) They claim that I was served notice on XXXX XXXX XXXX that XXXX XXXX filed a lawsuit for the account. This claim is also inaccurate. Neither Cavalry nor the law firm can provide any legitimate accurate evidence to support this claim. 

I am reporting Calvalry and their law firm for giving false information to the courts. I received no court summons, no information from Cavalry whatsoever that the debt changed hands. I made absolutely no deals with them, received no notices or court papers. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX XXXX when it is only supposed to be XXXX XXXX
USAA failed to run payment on 5 separate occasions between XX/XX/XXXX and XX/XX/2018. They were provided with payment information for check by phone four times, from two separate accounts - yet they never ran the payment. One payment was even made from a USAA account to USAA and they still didn't accept the payment. Funds were available and because of an error on their end they would state the account was paid and I called to confirm weeks later and they would confirm payment again despite telling them funds were not withdrawn from my account. Eventually they would state that payment was not made and I would try to make payment again and repeat the same XXXX cycle. I sent them a check for the full balance due via priority mail ( from a different bank for yet a third account ) they received the payment then SHREDDED the check. I have called dozens of times and talked to the same number of people all of whom refuse to assist in resolving this other than to ask for payment information again. I have written to them about this issue 4 times and they have not responded to a single letter. This is absurd, they are wrecking the credit report by reporting the account as late, and now as a charge off. There is no way to actually pay this company.
I was notified that an account is in collections under my SSN and name. After attempting to call the company several times and being refused assistance I filed a dispute on my credit report. They simply found the account information " accurate '' which is impossible because it's fraud. I have filed a police report. The fraudulent account is with XXXX and their own fraud department told me there is no account under my SSN so how could Experian possibly verify the account as accurate?
Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.