WillisBack/dataset-financial-user-claim huggingface dataset:
My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. 
She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. 
XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. 
After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. 
I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. 
On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. 
Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.
Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime. 

Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company. 

THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING. 

All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced. 

I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.
I found an account that I did n't recognize on my credit report. I have sent multiple letters to capital accounts asking for validation of this debt over the past 7 months. The last letter I sent to capital accounts was on XXXX XXXX, 2016. This letter was sent pursuant of the Section 623 of the Fair Credit Reporting Act. Section 623 of the Fair Credit Reporting Act allows me to dispute information directly with the furnisher of the information. Capital Accounts has failed to respond in a timely manner. I assume that capital accounts has no documentation of this account. I believe this account to be a fraudulent account and capital accounts refuses to respond to any of my letters.
I have had a checking account at Wells Fargo for many years. I am going to close my account after finding out XXXX things. One, trying like heck to kill off your regulation. Two, the incredible fraud in creating XXXX XXXX fake accounts and firing XXXX low level employees. 
This is unconscionable and I urge you to punish them much more than the {$100.00} XXXX fine. Take away their license to do business!
Sallie Mae-Navient lied to get get me to switch my perfectly good account with XXXX promising a very very low payment. They offered me loan forgiveness and charge me {$500.00} to switch my account over locking me into very low payments. I am being way over charged in interest and they are requiring me to pay an incredibly high payment which is not at all what I signed for! My balance on my account does not reflect all of the years of on time payments I have made the amount keeps getting higher! My interest alone in 2018 was {$2600.00} PLEASE PLEASE HELP!
We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.
I am a customer with M & T bank ... I tried purchasing a car back in XXXX 2014 ... however after realizing I was no longer interested I decided not to proceed with the purchase ... I disputed my payment and was issued a credit ... later on during the investigation my bank decided that they would honor the auto company and give them my money ... Even after I tried numerous times to prove that they sent M & T bank fraudulent paperwork and forged my signature on a receipt document ... so I feel discriminated against because I am poor and XXXX ... they treated me like trash and I 'm their customer ... they did n't try assist me or even check the documents even when I requested and begged them to do so.
I applied for the Hardship Program that USAA apparently offers, and was declined. They stated that our DTI was to high to be approved. We are currently paying {$450.00} a month with an interest rate of 10.1 % and have always remained current with our loan. We are struggling however making our minimum payments on everything and have no money at the end of the payments to buy food for our family. I assumed and the way the rest of creditors work is that a hardship is for people who are having a hard time making their payments. So would our DTI being to High indicate a hardship? Yet, the declined us to help with reducing our interest rate to lower the monthly payments they approved us for borrowing more money to add to our debt!! Makes no sense to me. Instead, we have to go through a Debt Credit Counseling Agency to get on a DMP to reduce our rate down to 3 %. Why is that USAA is willing to work with DMP plan not work directly with their customers? Terrible company and plan on never banking with them again. Very disappointed in how they treat XXXX XXXX military.
I checked my  XXXX  credit report through  XXXX  I found a "  CBNA  '' hard credit pull on  XXXX   XXXX ,  2017  that I did not instigate ( I did n't apply for new credit or do anything wit h Citibank ). I contacted Citibank by p hone on  XXXX   XXXX ,  2017 , and they refused to provide any information.
on XX/XX/2013 an account was sold to an unknown company ( Federal Pacific Credit Company ) I asked the Federal Pacific Credit Company to validate debt instead they sent me information from another company called XXXX XXXX and not Their company Federal Pacific Credit Company. I did not receive nor sign a contract with Federal Pacific Credit Company.
I received a Costco-branded Citi-issued visa card as part of my membership, Costco having changed its affiliation from XXXX to Citi-visa. Upon receipt of the documentation, I immediately sent Citi on XXXX XXXX, XXXX a letter seeking to opt out of the mandatory requirement that all disputes be submitted to binding arbitration. When I received the actual credit card, I reached out to the Citi-Visa representatives to seek confirmation that my opt-out letter was received and acknowledged. I did this because of any earlier issue in XXXX wherein Citi failed to acknowledge an opt-out of binding arbitration for XXXX of its issued master cards, and when they refused to acknowledge my written opt out, I terminated that account. 
When I was told that I had sent my Costco Citi-visa opt out letter to the wrong XXXX XXXX XXXX I again sent a letter on XXXX XXXX to the XXXX XXXX I was now directed to and upon further inquiry, was told that my opt out had not been received and would not be acknowledged. I sent a third opt-out letter on XXXX XXXX which to date has not been acknowledged.. I was promised by numerous representatives that I would receive some written communication advising me of my status but to date, none has been received. I have not activated the account as I do not want to be bound by onerous terms and conditions of mandatory arbitration from which I have sought exclusion. 
Costco only takes XXXX as a credit card and their branded XXXX affords rebates for Costco and other purchases, which I am not able to enjoy because of the actions of Citi.
This collection agency is unable to determine the validity of this debt. contacted original creditor to no avail and the collection agency ( Debt Recovery Solutions ) can not provide any proof as to the validity of this debt. I have no idea what this debt is. this debt has also been disputed several times with all XXXX bureaus to no avail. this tells me that the reporting agency is able to provide some sort of validity to which i would like to review myself.
# 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.
I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '. 

I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification. 

I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.
I am a primary and secondary buyer with XXXX XXXX. The account for which I am a secondary buyer, payments are being posted as being late when there are bank withdrawals stating the date and amounts of payments within 30 days of the due date. I have been calling over 5 times to get this resolved, and I am not getting any resolution. Each time I call someone puts in a dispute but the issue keeps reoccurring. I call back to see if the problem is corrected and I am told it's current. Now I am calling again today and its 45 days past due, when a payment was just made in XX/XX/XXXX for the XX/XX/XXXX payment. I was never received any documentation from XXXX XXXX regarding our disputes and was told today that is not the company 's responsibility to send me documentation. So I have no proof from XXXX XXXX stating that this is actually been corrected. Every person that I speak too gives conflicting or incorrect information, which leads to believe that this will not be resolved. This has affected my credit score for there inaccurate reporting.
I had a payment more than required in my 2 credit cards because I have to travel over seas for long business trip they have send the money back by cheques that I never received and Bank of America has got these cheques back I did not know any thing about these cheques more over they got these cheques back witch are more than enough to cover any annual fees but the charged me for renewal fee and refused to deduct the renewal fees from my money they already have it more over the add penalty for not paying the renewal fee although it cover that renewal and more!! 
I have called them while I was in XXXX and spoke with XXXX XXXX all what she wanted to find a way to send the money again to any address instead of use it to cover renewal fees. They reported me and screwed my credit score which is very important to me Also they refused to transfer the money to my account in other bank!!!!
I have never been late on my XXXX XXXX Account. My account is up to date Experiannis reporting as delinquent for 30 days. I've always paid this acct on the due date or prior. I reached out to Experian to have this corrected and they did not update my report. It is hurting my credit score substantially. I w reaches out to XXXX and XXXX and they discovered the error and have since updated my report. Please have this updated asap to current account.

Thank you!
I learned that I am a victim of identity theft. My drivers license have been stolen. See attachment for my drivers license information. The last car I had was a XXXX XXXX. XXXX, the vin number was XXXX. The plate number was XXXX. The title number was XXXX. My social security card was stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. My former employers have been changed with all three credit agencies. Property have been purchased with my personal information. Through the wage earner courts, my rights under the bankruptcy have been violated. Purchases have been allowed to be made while I was under wage earner without my knowledge /permission.
I have sent Equifax requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.
I had an outstanding balance with XXXX ( XXXX XXXX in Virginia ). I get XXXX notification from the debt collection agency ( NCC ) with the indication of having a lien on my bank account, which took place today XXXX/XXXX/15. I believe that they have no right to garnish or freeze my acct. The following is what I read on my attorney general 's website. 
" When Can a Creditor Garnish Your Wages in Virginia? 
Most creditors can not get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor 's bill, those creditors can not garnish your wages ( unless they sue you and get a judgment ). 
There are some exceptions to this rule. Your wages can be garnished without a court judgment for : unpaid income taxescourt ordered child supportchild support arrears, anddefaulted student loans. " No court order was issued, only XXXX notification received and it does n't seem right that they processed this in such a way.
Filed a dispute for bankruptcy listed on credit file Dispute came back verified, however the clerk of courts in XXXX XXXX stated they do not verify any individuals bankruptcy information to the credit bureaus or any third party for that matter. This bankruptcy listed has been vacated to my understanding and therefore should be deleted from my credit file immediately under the FCRA. Another Credit Reporting Agency has already done so after properly investigating, see attached.
I had a mortgage with Washington Mutual Bank FA. JPMorgan Chase became the servicer then claimed to own the mortgage when they provided absolutely no documentation to prove it. They began a deceptive foreclosure suit using the collections firm XXXX XXXX management and used all kinds of fabricated documents, assignments signed by XXXX employees, notes signed by XXXX employees and even the complaint was signed by XXXX attorneys who are not even licensed in the state of Florida. XXXX XXXX XXXX - Purpose of Business is servicing existing " MANUFACTURED '' home loans and they are not a registered debt collector. They even fabricated a loan remodification and would not provide us with a hamp loan stating we were unqualified. We made 6 payments and they told us to stop payments and then the foreclosure began. We called the FDIC and the OCC and both government agencies said to call the CFPB as it was all debt collection. This has been going on since 2009 and after speaking with JPMC corporate offices regarding all this fraud, we offered a " RESCISSION '' They told us to call XXXX XXXX for the rescission. We sent the letter and XXXX XXXX of XXXX Firm made a motion to the XXXX for a foreclosure auction. Neither JPMC nor XXXX XXXX had any real ownership or interest in the note and thus no right or authority to conduct a foreclosure. I had put down {$230000.00}. It appears this is a way of life for these banks. They steal families equity in the house. They appraised them 20 % higher ( eappraise ) and then there was the libor rigging by JPMC with the WAMUFA loans. Now the price is down and they want to steal your home for pennies on the dollar if you are not smart enough to catch the fraud.
I reached out to this debtor from a debt that was incurred back in XXXX of 2011. The operator was very kind, I spoke to someone named XXXX. The balance that was showing up was {$100.00} on all XXXX credit bureaus. Maya informed me that due to daily interest accrual on the account the balance was now at {$140.00}. She was not able to give me the original debt amount prior to their addition of daily interest and fees. This is almost a 50 % increase from what shows on my credit bureau, not to mention that I really do n't even know what the original debt amount was at this point.
The lender is XXXX which is not reporting the correct balance and that is effecting my credit score significantly. I opened an investigation with Trans Union and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on XX/XX/XXXX, the case was opened on XX/XX/XXXX. The balance is XXXX as of XX/XX/XXXX in my credit report but as of XX/XX/XXXX the correct balance is XXXX I called Trans Union and complained to XXXX which claim was a supervisor on XX/XX/XXXX at XXXX XXXX XXXX and asked him why Trans Union is reporting a false balance and he said because XXXX said it. I told XXXX it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period. I asked why the screenshot that I submitted within Trans Union dispute section was not presented to the lender - XXXX and XXXX said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from XXXX and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say. The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.
On XX/XX/XXXX I logged into my Amerihome Mortgage online account and entered 8 payments. I received confirmation numbers for each payment in separate emails. On XX/XX/XXXX I noticed that only one payment was debited from my bank account. I called Amerihome Corporate office and was transferred to customer support, who told me that although I had payment confirmation numbers, only one payment would be processed and the others were canceled. I was allowed to enter these payments and I did not receive emails about the cancellations. I then asked for and received payoff information and was told that I would receive a fax with the same information within two hours.After two hours I called back to see where my fax was and requested an email with the payoff information as well. I was told the email would arrive within 24 hours. It has now been 24 hours and I have not received either the fax nor the email. I do not trust Amerihome and would appreciate cfpb involvement so that I can payoff my loan.

Also, the information about my loan on the Amerihome website is incorrect, showing incorrect interest and principal amounts.

Thank you