WillisBack/dataset-financial-user-claim huggingface dataset:
the collection agency has repeatedly, sent me notifications to pay a debt that is not mines! I have reached out to the collection agency to fix this issue, and to report this as identity theft! I have sent the ''identity theft '' documents twice and the last time they were sent to the collection agency the documents were sent through certified mail. even thought I have disputed the debts numerous times, the collection agency continues to attempt to collect a debt that I do n't owe.
On XX/XX/XXXX I discovered a collection account in my XXXX and XXXX report, from XXXX XXXX XXXX ; the original creditor is XXXX XXXX XXXX. I disputed the account on my XXXX and XXXX personal credit report, but never received answer or results of their investigations.

I called to the collection agency to ask the reason of this bill, I was in shock because I always pay in time my insurance bill directly to the insurance broker office, during the call they tried to collect a {$330.00}, I asked for details of the bill because is any reason of this debt.

They told me this collection is for a insurance coverage of XX/XX/XXXX on my 3 cars, I told them that is not possible because during XX/XX/XXXX I had a insurance policy with another insurance company -XXXX XXXX XXXX XXXX- ( see the attachment ), I told them my broker cancelled the XXXX XXXX XXXX in time.

The representative told me that if I send out a fax to them with proof of my XXXX XXXX XXXX XXXX policy and if the policy period match with the unpaid bill, they will cancel the bill and remove from my credit reports. I faxed to the XXXX the proof they requested ( see the attachment ) and then I wait for 2 weeks.

After two weeks I checked my XXXX credit report because the collection account most be deleted, but the account was there in my report, so I called again to the collection agency to follow up. They told me their client made a balance adjustment because they review my fax and they changed the balance to {$290.00}, I asked the reason of the bill and the representative told me she just can disclose the insurance policy is for XX/XX/XXXX and her client ( XXXX XXXX XXXX ) sent to my mailing address a validation letter of this debt on XX/XX/XXXX, but at this time I haven't receive yet.

This is an illegal practice of the Insurance company to try collect double insurance bill.
I had an account with XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. While having this loan I was called at least XXXX times a day, they would call my job and everyone of my references. The interest rate went from 29 % to 110 %. I could n't understand this at all and I do n't think thats legal. I had to finally file bankruptcy to get them to stop harassing me. my payments went from XXXX to XXXX a month. How am i suppose to ever pay this off. 
My name is XXXX XXXX My telephone number is XXXX Thank you for listenng
I have requested that Experian provides me with the method of verification used to investigate my dispute per FCR  A 611 ( a ) ( 6 ) ( B ) ( iii ). They refuse. I have documentation to support this blatant disregard of the FCRA by Experian I dont believe Experian actually investigated my dispute and that 's why they refuse to provide me with the method of verification.
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This is a repeating problem that I have when disputing with Experian. I had some ID theft on my credit and when I have disputed in the past, they give me the same exact response refusing to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii )
In XX/XX/XXXX I purchased a reloadit pack for the amount of {$500.00} dollars. I tried to load it to my prepaid card and I got an error saying we are experiencing technical difficulties and to try again later. So I tried again and again and I would get the same error. I contacted customer service and they told me to try a few things that ultimately did n't work. I filed a complaint to the BBB and I got a response from someone saying they issued a refund and I would receive it by XX/XX/XXXX I still have n't received the check that they mailed and I called them again and they said I would get a call back from a specialist and still have n't gotten a call back. I 've waited over a month now for my money back and am running out of patience.
This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX,
For at least the FIFTH YEAR IN A ROW, Equifax has refused me access to my annual free disclosure online. I answered their authentication questions correctly but they still insist on sending sensitive information through the mail as an alternative. The questions are attached. The answers to all are " None of the above. '' Playing Equifax 's game along with them I tried placing a fraud alert on my account ( after all if they believe I have one of these nonexistent accounts, that COULD be an indication of identity theft, couldn't it? ) but I wasn't even able to do that this year. I request one of my disclosures every four months ( XXXX  on XX/XX/XXXX, Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and Equifax is always the ONLY one I  have this problem with. Repeated attempts to inquire as to whether there really is an issue with my answers have been fruitless. When they eventually DO provide the disclosure none of the purported accounts are there.
My name is XXXX XXXX and I had a small business account at TD Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The name on the account was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Three months ago I noticed a deposit of {$4000.00}. I had no idea who made the deposit and I went directly to my bank to see what was going on. It seems someone made 4 {$1000.00} deposits to the bank and I notified XXXX XXXX a financial services representative of the bank that this was a fraud. She then froze my account and I was locked out and I could not even get a to see my account online. 

In three days they found out that as I told them the checks were no good and the bank still keep my account frozen and charged me 4 {$20.00} fees and a charge for being overdrawn. I was not allowed to make any deposits into my account from the moment it was frozen.

The bank made me fill out an affidavit of fraud for each check and they sent me a copy of the check for me to review. All four check where never signed by issuing party and the signature on the back of the checks was not mine.

I have made 9 trips to the bank and I was informed that someone sent in another check for around {$9800.00} while the account was frozen and they accepted it but they have never shown me a copy of the check and this one also bounced and once again the charged me {$20.00} for a return check and {$35.00} for a service charge. 

I received a call from the fraud department and I made them call the head teller to verify that this person worked for the bank. After I talked to this individual he informed me that he was looking into the matter and would get back to me. I have never heard from this person since that call. 

I have been working with the head teller, assistant manager and two financial reps and I was informed that the bank was working on it and I had no worries and they were not going to do anything until the end of XXXX. 

At the end of XXXX, they closed my account and turned it over to a third party to collect the fees the bank charged for the bad checks, even though my account was frozen part of the time and they were warned that the checks were a fraud.
Lender not willing to postpond sheriff sale even with complete short sale packet. We have a buyer, HUD, listing, financials, everything they are requesting
I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. 
I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. 
They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. 
California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. 

I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. 

I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. 

I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. 

They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau,  including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. 

I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.
On XX/XX/XXXX I got alert from Bank that Prestige Financial had tried to draft out {$440.00} out of my account but the amount wasn't there so it was declined. I called to speak with a customer service rep because I never gave them permission to store my card information and keep using. My mom paid her car payment using my card 1 time. They made her have me call to give them permission for use and I told them do not save my information for future use that it was only a 1 time use. The financial place refused to listen to me on XX/XX/XXXX and would not remove my card information until my mom called and told them otherwise. I stated to them that they never had my permission to even store the card information. Again, they refused. My mom called them and told them to remove my card information off that nobody have given them permission. Prestige Financial told my mom that they had removed my card. They lied!!! Today on XX/XX/XXXX XXXX I get another alert saying that my account declined Prestige Financial amount of {$440.00} due to the amount not being on my card. How can I get this stop! They are trying to take my money and the vehicle loan isn't even mine. Nor am I giving them permission to do this. They have been made aware 2 times and still basically they are trying to steal.
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in  court.
I am on XXXX XXXX, my mother 's Santander Checking account to help her manage her finances. I opened my mail Thursday and read a letter dated XXXX from XXXX , her utility company, that said her bank account was frozen and payment had been returned. 

I went online and saw beginning XXXX XXXX that checks I've arranged to have automatic payment had a note " Forced check payment ''. 

I called the bank and was told that a man had called in XX/XX/XXXX asking questions about my mother 's account, so they froze the account. I appreciate the fraud department taking action to protect my mother 's finances. 

My concern is we were not notified that the account was frozen. No one called my mother or sent a letter explaining this. The person I spoke with in the fraud department said the bank does not inform the customer. It is the customer 's responsibility to call the bank. 

I asked her to check this policy since it does not make sense to me that someone would call their bank if they do not even know their account has been frozen or there was a fraud alert. I pointed out that credit card companies always inform you - why wouldn't the bank? 

Now I'm told I need to bring my XXXX year-old mother to the bank to open a new account and I need to contact at least 10 different providers that I have arranged to be on automatic payment to transfer to this new account. 

My frustration is that we were not notified of the fraud alert and that the account was frozen. 

I hope you can encourage the bank to contact customers whose accounts have been jeopardized by mail. 

Thank you for your support, XXXX XXXX on behalf of XXXX XXXX
I am a co-signer on a Navient student loan. I have paid-off XXXX of the XXXX loans I am a co-signer for 3 years ago. I paid a lump sum on the XXXX loan about XXXX years ago to bring it current. I verified the XXXX loan is current, the goal is to be released as a co-signer. Granted the borrower pays the loan, but based on her pay period about XXXX or XXXX weeks late. Recently, Navient approved a XXXX month forbearance XX/XX/XXXX thru XX/XX/XXXX. I received notice of the forbearance after it was approved by mail. I was unclear of the issue, and made a call to Navient on XX/XX/XXXX to have the forbearance and the account status explained to me. The account shows that all payments for XX/XX/XXXX was received ... some late and late fees were assessed. But, I was confused as to how the forbearance was necessary. After about XXXX hour on the phone, XXXX transfers later, I requested to speak with a Supervisor to explain. I was told the account was a month behind ... which it does not appear to be the case ... and the forbearance is the reason for the zero balance, which in my understanding only removes the XX/XX/XXXX payment. It 's never easy communicating with Navient, and the workers are not knowledgeable and you feel as though you are caught in a bad dream that will never end. I do n't agree to forbearance 's, but as the co-signer I have no right to prevent it. I made a payment on XX/XX/XXXX, that should be posted in the account this week. My main goal is to be removed from this loan as a co-signer ... and I will be requesting the borrower to submit a request to removed me from this XXXX loan. However, because of the way she pays and the recent forbearance I 'm not sure my request will be granted. Please help. I WILL NEVER CO-SIGN A STUDENT LOAN AGAIN AND I WILL NOT RECOMMEND NAVIENT AS A LENDER TO ANY STUDENT.
Capital One is blocking me from enabling external applications such as " XXXX ''. I need access to my financial data.
I filed a complaint against commercial Acceptance, they responded with an inaccurate information. I never received services from XXXX XXXX or Commercial Acceptance. They must provide full verification of any such transaction with a contract that have my signature.
I received a letter from Ditech Financial, LLC dated XX/XX/XXXX that said they were in the process of reviewing a written request from me. Their research has not concluded. They stated the letter was to notify me of their ongoing investigation in an effort to provide me with resolution. 
Below that the letter stated thee communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose. Farther below on the bottom of the letter it had a note that said " Forward Progress-Written Request, XX/XX/XXXX. 
It gave me a number to call which I did ( XXXX ). The person that answered said the letter was to get me to call about refinancing. I described the letter and said that so you send me a letter describing that there is an issue with my credit ... .and that I have made a written request to resolve so that you can try to get me to refinance - his answer was " yes ''. I had previously told him that I was not interested in refinancing but then after he confirmed the unethical practice they were using with the letter I told him that I may now consider refinancing with another more ethical company. 
This type of solicitation should be illegal!
This company has the wrong address on file for me. It was an attempt to collect a Co-pay from my insurer. They did not notify me appropriately of any debt owed. They did not send the bill to the address on file with my insurer. It alerted on my credit report and that is how I originally found out about the debt. When I called the company to resolve they admitted they sent the letter to an address that does not accept mail. It was returned to sender and there w as n further  attempt to contact me. Ive offered several times to pay the debt in full but they are refusing to delete the delinquency off of my credit report once ive paid.
Received a notice from Bank of America that my credit application had been approved along with a BofA credit card. I have NEVER applied for any type of relationship with BofA.
Wells Fargo switched around their monthly statements to exclude activity I do every month ( XXXX debit transactions ) on the same day and then charged me a service fee. They are refusing to refund me the {$10.00}. I suspect this is widespread. They purposefully make statements on odd dates that do not coincide with calendar months and change the statement time periods to trick consumers.
I have disputed this issue with Equifax 3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with Equifax only. 
see attached document. 
Thank You.
I have had accounts with Navy Federal Credit Union for over 10 years. They have repeatedly closed my accounts as part as collection practices. Even now my checking account was closed because of collection efforts from a secured loan. This is the second time they did that.
I sent a letter certified mail to XXXX to valid debt in about of {$740.00}, XXXX responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to XXXX certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original client XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file. 
I hope you can help me in some way. 
Thank you, XXXX XXXX XXXX
I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 1 ) XXXX  is reporting a late in XXXX and XXXX. They also have my account coded as XXXX ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 2 ) Trans Union is reporting a 30 day late in XXXX and they are also coding this account as XXXX, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 3 ) XXXX   has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance.