WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXXXXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting an account on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and XXXX XXXX XXXX  XXXX has NOT removed this account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
I am a former XXXX XXXX XXXX student. I applied for a private loan with ASFG, who uses XXXX XXXX. I made XXXX payment of XXXX in XXXX of 2016. The school closed down with out notice to any of the students. I have been in contact with stating to get the money from XXXX XXXX. Also have been getting statements and a letter of default on my loan. There are the ones who are breach of contract, for shutting their doors. I would like my loan to become a zero balance. My account number is XXXX
I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX XXXX with no successful resolution. XXXX, Experian and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
My car had to undergo repairs at a shop in XXXX, Fl around XXXX of this year 2018. The store recommended, because of the amount of the cost for the repair, to get approved by a company who will do the financing, ACIMA from  Utah. Those people immediately called me and started sending me text messages for me to sign the " agreement '' OVER MY PHONE. They were giving me just minutes as deadlines to get the ball rolling and be able to take my car from the shop. Unfortunately, and due to the pushing and the deadlines, I did that and signed over the phone, without being able to read the " Agreement '' in its entirety. 
I had to leave the country on XX/XX/2018 and returned last XX/XX/XXXX due to a family issue ( death in the family ), and to my surprise, yesterday I received a call from ACIMA, telling me I was behind on the XXXX and XXXX payments because they were unable to pull the payment from the Card on file. My bank account got hacked during my trip and because of my circumstances abroad I didn't have my new card which was sent to my home in USA, and didn't even think about that payment coming out of my card either, but once I explained that to the person who contacted me yesterday, I asked him, just by chance, what was my payoff. That company is a total ripoff, they charge usury charges that are in the range of 100 % or more annual interest. The original amount being supposedly " financed '' was {$390.00} Dollars. they had me pay {$53.00} at the beginning, to them tell me that amount was " added '' to the " lease '', and that they are not " financing '' but " leasing the debt ''! 
Once I got back home I went online and was finally able to read the whole " agreement '' I was forced to sign over the phone without having a chance to read it. As per their agreement, the total amount I would pay if I waited 12 months, will be {$800.00} + dollars. That is more than a 100 % interest rate per year, which, as per my understanding, is illegal and a crime in the US based on usury practices! 
I spoke to a supervisor over there at ACIMA and she told me that if I had paid the whole amount back on XX/XX/XXXX ( just a week ago, and while I was abroad ), my payoff amount would be in the range of the {$400.00} 's dollars.I had paid them {$220.00} already, on a debt of {$390.00}, yet they are pretending to charge me {$75.00} dollars for not paying off on the XXXX, plus {$50.00} more for not being able to pull both payments, plus I am not sure what, for the total above or more! 
So that's where I am standing and I refuse to support those usury practices and pay those outrageous amounts.
Experian is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

Experian has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX   should not be on my credit reports. XXXX/XXXX   additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.
This law firm and collection agency does not comply with FCRA regulations. They have failed to validate the debt as allowed to the debtor under 15 USC 692 ( g ) Section 809 ( b ) but has attempted to collect the following balance of {$1000.00} and {$2500.00} ( two separate accounts ). There is no question that they have willfully violated my rights repeatedly tried to collect debts beyond the state statutory limits. This company has refused to validate the debt and HIPAA authorization as I have requested the following : - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me They have been reported to the state and federal agencies that provide regulatory and enforcement oversight. Confirmation of the previous credit reporting date - beyond 7 years - has been provided to credit reporting agencies.

Finally, they have refused to acknowledge the fact it is an illegal attempt to collect a debt that is beyond the statue of limitations.
Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I  received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.
On  XXXX   XXXX , I received a claim demand form Register of Wills for {$1600.00} from  XXXX  Services/Target Credit Card. I contacted a representative (  XXXX   ) o f  XXXX   XXXX  who would not discuss the account of  XXXX   XXXX   XXXX   XXXX  with me, only with  XXXX   XXXX  and  XXXX   XXXX . I faxed a documented proof, I was co-administrator of the Estate of  XXXX   XXXX   XXXX   XXXX , I rejected the claim of {$1600.00} by  XXXX   XXXX  Target  Credit Card based on  XXXX   XXXX   XXXX   XXXX  suffering from  XXXX  and survived 18 years of   XXXX   XXXX  . I requested Target Credit Card provide me with documented proof  XXXX   XXXX   XXXX   XXXX  signed any or all Target Credit Card receipts within the past  two  years especially l between the period of  XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX .      XXXX   XXXX  made several unauthorized cash transactions on  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Therefore,  XXXX   XXXX  could not sign any checks or credit card receipts for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  signed any or all Target Credit Card receipts, then her actions constitute credit card fraud which is illegal un der Federal and State Banki ng laws.
I rented a XXXX ' unit from an XXXX, CA, storage place to store science education materials for nonprofit classes. The company added an unexplained {$140.00} fee when I was moving out. I made it clear I would n't pay it without a good explanation. They provided a list of payments but there was none missed except for an alleged XXXX from a past rate increase 6 months earlier that I pointed out had arrived too late for the required 30 days ahead. They admitted in an email the rate increase was mailed out only 2 days ahead of the required 30 days. It can often take more than 3 days for mail. I documented by video they said this {$13.00} was not important but it is not clear if this is relevant. But now they 've reported this unexplained XXXX to a collection agency who claims it contacts all the major credit reference companies. I 'm not sure what to do about this " snake in the grass '' company. A few months after they bought the company about 2 years ago, they emailed me while I was out of state on vacation that my locker had been broken into and emptied, but later when I asked them to review video tapes they admitted it was a mistake.
FNB  and  XXXX   XXXX   XXXX  attempt to well test in  XXXX   2017  with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it  out two weeks, Finally fixed and tested third attempt same company two weeks before closing.   XXXX   XXXX   presence, suspect a covered up issue. Would not pass HUD  with previous buyer?   XXXX  Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest.   XXXX   XXXX / XXXX / 2017  Bid Acceptance  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$1000.00} ) Good Faith  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$200.00} ) Inspection Water  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$450.00}  XXXX   XXXX   XXXX   XXXX / XXXX / 2017   XXXX    XXXX   XXXX   {$360.00}  XXXX / XXXX / 2017  Make decision on test results - no time to bleach and retest.   XXXX   XXXX / XXXX / 2017  -  Close Date
For the l ast two months, Chase 's w ebsite has only work intermittently. This has made it difficult to manage my accounts and use the online bill pay functions. At first I thought it was a temporary issue will updates were made, but the problem has persisted for months.
I have an account with Macy 's and am being harassed by them. I have written XXXX letters to their credit department contesting late fee charges which have been charged to my account after I paid the balance. This has happened to me since XX/XX/XXXX. They are now calling multiple times a day. I have caller ID and therefore know who is calling me. 

I want their calls to stop and to have the late fees removed from my bill. It strikes me as an illegal and unethical practice to charge customers a late fee compounded by the next month 's late fee after a payment has been made. My account is paid in full and yet they continue to hound me.
My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.
The above investigation was completed XXXX/XXXX/XXXX with obvious ( on the face of the record ) erroneousresults.I had disputed that the creditor '' re-aged '' the account by changing the accurate date of first default from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I HAVE INCLUDED FACTA REPORT NO. XXXXFROM XXXX/XXXX/XXXX where the DoFD reports correctly as it had the previous 5 years. 
During a telecon with Equifax upon receipt of results, the CSR from EQUIFAX realized the verified info. was wrong as the DoFD, DoLP, Do M D1st reported, all are XX/XX/XXXX, which is an impossibility in any case, does n't make sense, yet she did n't delete, as she should have. 
I have also included report no.XXXX dated XXXX/XXXX/XXXX where the disputed accountdoes not appear on the report at all..it was suppressed/deleted prior.
I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents.
Hello CFPB, My name is XXXX and I have a credit card with JP Morgan Chase ( Account number : XXXX ). I paid my entire credit card balance off on the XX/XX/XXXX statement due date of XX/XX/XXXX. JP Morgan Chase still charged me {$68.00} in interest on XX/XX/XXXX. I called JP Morgan Chase Credit Card customer service and spoke with a young lady who was very friendly. She acknowledged I had paid my entire credit card balance in full by the due date, and should not have been charged interest when the credit card is paid in full by the statement date. When I asked her to give me the mathematical breakdown of my account balance to explain why I was charged {$68.00}, she gave me a vague explanation full of obfuscation. While she was nice I realized she would be no help in resolving this matter. Please have JP Morgan Chase refund the {$68.00} they unfairly charged my account.
I looked at hard enquiries. I have no idea who these companies are checking my credit. I bought s car from XXXX XXXX last year. I see a recent inquiry. Also I do n't know who this Cb something that shows repeatedly checking. I want them removed. The last legitimate inquiry I ask for was a XXXX XXXX be reinstated. Everything outside of that I need deleted. 
Also, I volunteer the accounts that were closed. I paid in full and asked the company to please Cluse my accounts. On every one closed it says closed by the creditors. That is not so. Lastly, it shows late pays. I went through one rough patch in 2013. I have had on time pay for everything since. 
I appreciate your help in making all the adjustment. 
I have been working hard for years to correct many wrongs in my life. 
Kindest regards, XXXX XXXX
A few weeks ago I got an notification about a debt that was placed on my credit report after checking in with my mortgage lender to make sure I was still on track. We found out the Security Credit Services had  posted a collection on my report for {$1800.00}. I called right there in the office with my lender and asked for validation of the collection. I was told I get the validation in the mail. The only thing received in the mail was a paper saying who they were and that they had placed a collection on my report. That is not VALIDATION! I then sent a written request to validate this collection. Instead of getting the validation they have now reported it twice on the same report with very different dates after getting my letter of request for validation. This is getting out of hand and Im yet to get the validation. I am letting CFPB aware of this situation and will be sending out another request for validation AGAIN ; just in case they are responding back saying They never got a letter. I will also send the first letter that I sent to them along with the second letter.
bank of america visa XXXX XXXX XXXX XXXX ripped off XXXX XXXX of {$6.00} on XXXX/XXXX/2016 charge of {$100.00} by charging {$6.00} for bottle deposit for nondeposit bottles. 
XXXX/XXXX/2016 XXXX XXXX NY Transaction date : XXXX/XXXX/2016 Card type : XXXX Transaction type : Purchases Merchant description : GROCERY STORES, SUPERMARKETS Merchant information : XXXX, NY Reference number : XXXX Dispute this transaction Type Purchases {$100.00}
I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each  month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.
I have sent a letter to Capital Management Services LP to not contact me in any form. They are not allowed to call me on any phone as they have contacted me at my place of employment multiple times. Today they called me from XXXX. They are not allowed to contact me at any number and I already filed a complaint this year.
Discover has denied graduating me from a Discover Secured credit card to an Unsecured Discover card, after, my 6-7 month " probationary '' period. During the 6-7 months that I've had my secured credit card, I have never been late with my payments nor doI have ANY late payments on my credit report. When I called Discover to inquire about graduating from secured to unsecured credit card, they claim that XXXX XXXX XXXX reported that I have a late payment, which is UNTRUE. I personally, called XXXX and was told that they did not report ANY late payments to Discover. I then, called Discover back, to inform them about what I was told, they conveniently said that XXXX reported the late payment. I Personally called XXXX and was told that they DID NOT report ANY late payments to Discover. My conclusion, Discover has manufactured issues to renege on their promise to graduate me to a unsecured credit card, after I adhered to their requirements of ; PAYING ON TIME, NOT MISSING A PAYMENT and MAINTAIN A BALANCE. They have yet to graduate my secured credit card, even though I informed Discover that the credit bureaus, they claimed reported " late payments, '' said they DID NOT report ANY LATE PAYMENTS to Discover.
I do not understand why capital one has ran my credit 3 times in 5 days I never authorized this. this is total abuse and I want this to be removed CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
XX/XX/18 - {$150.00} - Nothing was done by Chase when using the XXXX App within their Bank App on my phone. I tried to do a transaction for concert tickets. The person accepted the payment and did not deliver with the tickets through XXXX, as decribed. I went to Chase to have them stop payment or sign up for XXXX because I was obviously scammed. Chase contacted the XXXX department and stated I lost out on the money because I initiated the payment. Right, had they looked at their records, this was the first time I have ever used the XXXX option with their Bank App. I was told to file a police report. I did file a police report, but the Chief stated that Chase should be protecting my money against fraud no matter if I initiated the transaction or not. Using XXXX within the Chase Mobile App ( something they're endorsing ) IS NOT SAFE.
On XXXX XXXX, 2017 at approximately XXXX CST I was contacted by a caller with the phone number XXXX.
This number belongs to a firm called RMP, which appears to be a collections agency based in Texas. The only information that the employee on the phone would disclose is that the matter had something to do with " a personal matter. '' I asked the employee if this was a debt collection call, which she refused to answer, again stating that the call was regarding a " personal matter. '' The employee would not discuss further unless I verified either : the last 4 digits of my social security number, date of birth, or current address. I did not feel comfortable proving this personal information to an unknown caller, and I ended the call shortly after.
On   XXXX   XXXX  ,2017 I called the customer line of   XXXX   XXXX   to pay-off my balance ( {$160.00} ) and close the account. The payment went through and I then proceeded to close out my account that had a {$0.00} balance.
I later received a bill with a late fee and charges after the balance was {$0.00}.
I called   XXXX   XXXX   and they said I had accumulated a late fee 2 days prior to me calling in. At no time did the representative tell me there may be additional charges on a {$0.00} balance.
My appeal is based on inaccurate information given over the phone by the   XXXX   XXXX   representative. If I ca n't call in to get accurate information on my account then who do you call? If you listen to the taped conversation you will hear there is no reference to addtional charges in the future ...
Thank you for your help ... .  .
I 've been telling XXXX that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX XXXX is like I said.