WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to close my checking acct with Santander in XXXX 2015. Unfortunately there was an ACH transaction that went thru a few weeks later from an acct I did n't realize was still active. Santander paid the request & charged a {$35.00} fee. I called the main XXXX # & was told that there was nothing they could do about the fact that even though the acct was " closed '' an item was presented so the fee was valid. I deposited the money for the transaction into that acct & spoke with the bank mgr about the fee which she agreed to waive. I asked why they could n't just fully close the acct & make sure no payments are made against it & was told, " that was not possible '' but to " watch '' the acct & usually after a few months of no activity the acct will " convert '' to a closed acct. Well it 's now 10 months later & unfortunately XXXX checks inadvertently written from an old checkbook that had those accounts checks still in it were presented for payment, Santander paid them & charged {$70.00} in fees. I deposited money to cover the checks & asked the manager to waive the fee. She said " they did n't do anything wrong & the fee is valid ''. While I realize the checks were written & presented I ca n't fathom why after all this time & a request to close the acct they are still paying items presented to them & thereby able to charge me a fee. If the acct had been closed as I requested multiple times & then Santander denied payment, especially after 10 months, I would understand. I would be responsible to the parties to make good on the checks & any returned check fee they were charged. That makes sense. But instead they wo n't close the acct & will continue to pay items presented. I have no way of knowing if this acct will actually ever be closed. It is 2015, I do n't understand why they can not put a check flag in some data field & close this acct. I resent having to pay them a fee because they ca n't make this simple thing happen. Do I have any recourse or am I resigned to paying the fees forever?
title loan through titlemax XXXX tx. i have XXXX loans with them and have paid back more than i borrowed and still owe the amout i borrowed. i have been home with XXXX XXXX XXXX on medication that will not allow me to drive. they keep calling and i keep explaining i have very XXXX XXXX XXXX and cant drive. they told me after they added another XXXX XXXX dollars as a fee that i could have sent someone to pay it. they keep calling and harrasing me and im very sick. they dont care.
I tried disputing this address off my credit report but it still remains the on my history. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Address Identification Number : XXXX
There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX deleted the collection account. Transunion closed the collection account. XXXX verified the original account and the collection account.
On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed. 
On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop. 
On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling. 
There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name. 
This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt.
On XXXX XXXX, XXXX, an unidentified person went to a Bank of America ( BOA ) branch in XXXX New York with fraudulent identification. Bank employees gave this person a new ATM card with access to my account. He subsequently withdrew {$800.00} from an ATM and additional {$6000.00} was personally withdrawn via a teller. I was alerted to some irregularities with regard to funds being shifted between accounts at BOA, which led me to go online where I discovered some large withdrawals that I did not make. I was told that the amount is still being investigated. The {$800.00} was confirmed that it was fraudulent and will be refunded. I have been given no further assurances regarding the {$6000.00}
I started an online applica tion with CIT on   XXXX   XXXX ,  2017 . There was a technical error where I was unable to click on a button on the web form, and I was unable to complete the application. I called in to get help with the application, but they said it was probably a typo. On  XXXX   XXXX ,  2017 , I received an email  for CIT  saying they were n't able to open and account and to call in if I had any questions. I called on  XXXX   XXXX ,  2017 , but I was unable to get an answer as to why an account could not be opened. I called again on  XXXX   XXXX ,  2017 , and after a lot of prodding, I was told I could not be found anywhere in the nation. The person I talked to did not believe me that there was a technical error, and that I was unable to complete the application. On  XXXX   XXXX ,  2017 , I sent an email detailing the problem and received an automatic response that I would hear ba ck in one to two business  days. I have not heard back.
I had by bank pay navient the monthly payment XXXX they paid on XX/XX/2018 I saw that navient didn't post it and had my account as late and added late charges. My bank called them and they said they got the payment but not sure why it didn't get credited to my account. Now it's a month later and nothing has happened except they keep calling and asking for payment..they say I should be getting the refund through the mail they can not put it thru my account. They have my money And I want it back so I can pay them. What should I do
They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting agencies as not mine they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. I filed a complaint with you indicating that they would not respond to my letters and they finally responded and promised to send " statements for the life of the account '' ( see attached letter from them ) Despite repeated requests I 've received NOTHING from them.. This is a direct violation of the FDCPA 15 U.S.C. 1692e ( 2 ) ( a ) which prohibits the false representation of " the character, amount, or legal status of any debt ''.
I was a victim of identity theft and explained to TransUnion that I did not authorize any inquiries on my credit. The representative for TransUnion was very unhelpful and I was transferred to the supervisor. They still did not take care of the negative inquiries reported on my credit report. I need these accounts deleted off my credit file. It is hindering my livelihood and I was not the one to authorize them. XXXX  and XXXX  deleted it with no problems, but TransUnion is the only company not cooperating. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Shortly after I XXXX with my XXXX in XXXX 2015 I was contacted about the repayment process of my loans. My private loans are through Navient. The monthly payment was n't affordable ( still is n't ) by any means. I 've contacted them weekly to discuss any options that I may have. I was told that I could n't get a forebearance unless my loans were paid current. By this point I could n't even begin to make my account current. I provided them income verification and have done server all other steps to try to resolve my account. But I 've been told there is nothing they can do. Upon, further looking into my account I started to question the amounts of the loans as my tuition for school was significantly less that the amount of the original loan. I have on several occasions requested copies of the Master Promisary Notes for these loans and Navient has yet to provide them to me. At this point I am questioning whether these are in fact my loans or not. Also, the loan monthly payments that they are requesting are a significant financial hardship as they total roughly 60 % on my monthly income. I 've come to the point where I feel I have no options and not even sue what a next step would be to starting to resolve this issue. Navient has been far from helpful in this matter.
I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.
Hi, on XXXX XXXX I went to XXXX and withdrew XXXX from the atm, the atm only dispursed XXXX because of their limit. I then went inside bank to explain the problem the bank did an investigation which showed they were over XXXX. So then the money was sent back to american express serve on XXXX XXXX to be credited back into my accout an at this time I had already started a dispute on my half. XXXX XXXX i was sent an email saying investigation was closed an I would not be credited the XXXX dollars because the merchant had provided documentation that I was given money at the time of transaction which is false. Now it is XXXX XXXX an not getting any answers nor my money. I call continously the american express number on the back of my card because Im in need of my funds an not getting anywhere.
Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?
CRA VIOLATION NO KNOWLEDGE INACURATE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRASUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
On XX/XX/XXXX, I learned that IRS placed a levy on my Social Security Retirement Benefits. This prompted me to contact XXXX XXXX and request my transactions. I needed a hard copy of my transactions. 

On XX/XX/XXXX, I received my request. To learn that another person name and a card number had been added to my debit card without my permission/ knowledge. 
The name added is XXXX XXXX XXXX, the last four digits of the card added to my card is ( XXXX ). 

This information was added to my account XX/XX/XXXX. You can check with Social security, to confirm that only my name should be on this account. The last transaction with that name and card number was done XX/XX/XXXX.
My business sold XX/XX/XXXX XXXX continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form XXXX on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to XXXX on XX/XX/XXXX. XXXX XXXX then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.XXXX would not send a copy. They have now turned this over to a collection agency XXXX
I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.
I am not sure what this is from, the company has not contacted me but refuse to update my credit report. 

The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up.
In XX/XX/XXXX I ended up getting sick my I was missing work due to my illness and was struggling to make ends meet ... My doctor ended up putting me on medical leave in XX/XX/XXXX and he told me to expect to be out for several months ... My student loan is roughly {$400.00} a month. I knew there was no way I was going to be able to afford that since I was going to be out. I called Navient to try and work out a much needed lower payment and the person told me over the phone I would n't qualify I needed to just make my pymts I was out of work on medical leave for XXXX months. I paid what I could during that time. The whole ordeal has severely affected my credit ... All my loans on my credit are listed individually as a posed to XXXX loan which means if I was XXXX month late I was hit with XXXX missed payments not just XXXX. I went to school so I could provide for my wife and XXXX children and I have been unable to obtain a mortgage loan because of this. I have been paying faithfully since XX/XX/XXXX and my balance barely has gone down as a matter of fact on every loan currently I owe several XXXX dollars more than I even borrowed on All loans..My last payment of {$380.00} and {$210.00} was applied to the loan ... For the past year I have just figured well if I ever want to buy a house I need to do as they say but I feel they have done me so wrong with not trying to help me with a solution. I do n't believe they have been applying the money to each loan appropriately.
In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull my credit
XXXX XXXX XXXX, XXXX, posted a trade line on credit reporting agencies for a debt not owed to CASHNET. XXXX XXXX XXXX, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked XXXX and TransUnion both to do more research on my score to repair it and they did nothing.
My wife and I share a MasterCard credit card account with CitiGroup ( $ XXXX limit ). My wife and I are each Benefactor Life Members with the XXXX XXXX XXXX and we vote on their board each year. We are sick and tired of Banks such as yours using their enormous marketing power to discriminate against customers based on lawful firearm-related business activities. Stop it or we will close our account with CitiCard. PERIOD! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT ( XXXX ) XXXX
I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/1964 as shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.
Prior to receiving a clear to close letter from my lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had to provide proof of payment for insurance on my condominium unit. This was provided and the servicer is withholding and disbursing payments to my insurer. I am concerned that the servicer is not adequately protecting my personal information.
The above three accounts ( XXXX, XXXX XXXX, and Citi-Shell ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
XXXX XXXX XXXX  are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. 
When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. 
This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. 
XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. 
This needs to be removed from my credit file immediately.
I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did.
After reviewing my credit report on all 3 of the main bureaus I noticed there was a negative collections account listed under the name Midwest Recovery. I have never received any communication from this company and they are reporting negative and false information on my credit. It has also come to my attention that Midwest Recovery does not have an active license in the state of Florida and therefore can not attempt to collect this debt i have no information on.
after home purchase in XX/XX/XXXX, never received the money they was supposed to be for the deed of trust. Then they forged another deed of trust. That was reconvened in XX/XX/XXXX, but they began to refuse to answer any questions about the issues. after 9 years in the home fighting everyway I could because of no help of any government agency 's. Then after a notice of default on a reconvened note. And failure to answer my QWR. till 6 months later. and never addressed any of the concerns. The sold my house on XX/XX/XXXX. 

Then the purchaser that knew about the situation had me and my family removed with unlawful detainer that the change of my address caused a default. Because every attorney I talked to was completely against taking my case even with over 1000 pages of original documents. Now after steeling my house still not a single agency willing to get off their A..s and do their job. Including AG, Postmaster general, Governor, C.I.D. and Hud was absolutely lying to me when I sent over Hud H1 and then blocked her  email. They have note only stole my house but completely destroyed my family and my integrity. As well as you and the rest of the government do anything to stop this.
My husband and I refinanced our mortgage from Freedom Mortgage to XXXX. This loan closed on XXXX XXXX, 2016 and XXXX paid the mortgage at Freedom on XXXX XXXX. Freedom Mortgage has only partially paid us our escrow balance. They sent us a check for only {$460.00} as a refund for escrow. The remaining escrow balance of {$2100.00} has disappeared. I have tried all avenues to have them send our escrow balance but we are not getting any assistance.
Cbna Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this credito
D. Scott Carruthers XXXX is attempting to collect a fraudulent debt not belonging to me. 
I am the victim of Identity theft. My personal identification cards, SSN Card, Drivers License, U.S passport, and bank statements were  stolen from my home. 
I am disputing the validity of the debt of {$4500.00}. The debt of {$4500.00} has never belonged to me and was obtained by unauthorized use of my identifications. 
I will not pay or intend to pay this debt because it does not belong to me. 

D.Scott Carruthers XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX