WillisBack/dataset-financial-user-claim huggingface dataset:
I presented a check to be cashed at Wells Fargo as I have many times in the past. Some times I am asked to have one of the office personnel to " verify the check '', and other times the tellers refuse to honor the presentment, but will refuse to put the reason in writing. The reason they say ( of course no law supports this policy ) I must submit XXXX ( XXXX ) forms of ID because I am not a " customer ''. Well ... interesting concept there because, the items the banks allow are not even related to " identification '' whatsoever. And, the banks applicable policies on someone who is NOT a customer is an act of ultra vires at best. PERIOD. Such as a Drivers License, SSN, Birth Certificate, Bank Card etc. None of which are forms of ID. The mere act of being asked for another form of ID is in itself an accusation of fraud by my entering the bank and presenting the instrument simply because I 'm not a customer. In other words ... am I being accused of committing a crime by presenting a check and not being a customer? Law enforcement do n't even have that power to force someone to ID themselves if they are not being charged with a crime! So just WHO 'S authority is the BANK operating under? 

In essence, the banks demand something that does n't exist to honor an instrument issued by one of their own customers and the tellers are giving practicing law by legal advice at the window without a license to do so. The policy they are using, is no different than say if I had a church/company policy that says all " non Christians/employees '' will go to hell or be subject to paying my church for their non participation. 

Next step will be lawful actions for refusing to honor a legal instrument issued by one of their customers when presented at the window for exchange of federal reserve notes. All of which are a direct violation of their own Mission/Human rights Statement.
Capital One did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. Capital One claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, Capital One did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Dear CFBP American Profit Recovery has been attempting to collect on two separate files that Ive disputed from day one. So Im hoping that with your assistance Ill finally be able to get closure with both accounts.
The first one is with XXXX XXXX and was place with APR on or about XX/XX/XXXX. I never hired them to do any work at my house. Over the years and as recently as XX/XX/XXXX Ive asked for the original signed contract and/or any documents supporting the charges APR is trying to collect or that would confirm I even hired them. As of today I was told that they still havent received the requested documents from XXXX XXXX. The 2nd account is with XXXX XXXX XXXX and was place with APR on or about XX/XX/XXXX. Although I did hire XXXX XXXX XXXX I have disputed the amount owed well before ARP even bought the account. XXXX XXXX XXXX charged more for the lawn service then was originally agreed upon and that they charged for 2 cuttings they didnt do, which I was able to verify by reviewing our security video. Ive requested the original SIGNED estimate and all invoice used to validate the amount they say I owe however as of today they have not been able to provide anything. Ive talked XXXX and XXXX at APR to inquire on the status of the documents and was told by both that there isnt a time requirement for the client to provide validation docs, how can this be? Without these documents how has APR been able follow the CFPBs examination procedures to determine my identity, the amount owed, whether any fees charged were permitted by contract, and the original creditor? Any assistance you can provide in putting this to bed would be greatly appreciated.
Capital One refuses to credit my account ( now closed ) for fraudulent charges from XXXX dating from XX/XX/XXXX to XX/XX/XXXX. The contract with them promised {$0.00} liability for fraudulent charges. The amount of unauthorized transactions total {$2900.00}. I have called three times and each time they assured me the disputed transactions were credited, they were not. In addition, I wrote four times concerning the matter with documentation. They have not responded in any fashion. Case # XXXX. I 'll attach a list of disputed fraudulent charges.
This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.
In XX/XX/XXXX I received a collection notice from Consumer Protection Agency notifying me that there was a bill in my name that had been placed into collection. As I had never received an original bill, I immediately called all parties to inquire. The " creditor '' known as XXXX did not have record of me when I called. I referenced the account number I was given by the credit agency as well as my full name. Still no record. I then sent a certified letter to Consumer Protection Agency requesting a copy of the original bill so I could investigate further. I never received a response. 3 years passed with no notices of any kind. Then in XX/XX/XXXX I received a letter from a different agency ( Credit Collection Services ) notifying me of the same " debt. '' Seems the first agency may have sold the debt to the second agency. Again, I wrote a letter to CCS disputing the debt and requesting they provide me with a copy of the original bill. Again, no response. 2 years passed with no notices. In XX/XX/XXXX I received an alert from my credit bureau saying that a " major derogatory '' had been placed in my credit file for same " debt. '' I do not owe this debt.
LexisNexis is report an at fault accident for me in a car I never owned or drove. The accident occurred in XX/XX/XXXX. I was hit by the driver and owner of vehicle LexisNexis is showing me as owner and at fault. The vin # of the car show me not the owner or driver. LexisNexis is reporting false and incorrect information. I went XXXX XXXX Agent they show from Lexis Nexis I had an at fault accident driving a XXXX XXXX I don't own or have ever drove. This has cost me higher premium or denial of insurance coverage. LexisNexis also have another person connect to the report they provided to me. This has cause insurance agents to ask me if this person resides at my address. XXXX agent on Friday XX/XX/XXXX corrected the false information in their system once I took proof from my insurance company that I never owned or insured the car they are saying was my and at fault. I took proof from the insured company showing their client was at fault with that vehicle. However, it is still being falsely report on other agents checking LexisNexis site. If I had the document before XXXX corrected their system I will be taking this lying, false report fake Lexis XXXX to court, If I get a copy of that report they will be in court. For 5 years I have paid a higher insurance premium at their stupidity. XXXX XXXX IS LISTED ON THIS REPORT FROM LEXISNEXASS. WHY? Is XXXX on the report you sent me? Maybe XXXX XXXX can sue Lexis Nexis
I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.
I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
Exeter Finance sent a debt collector to my place of work and spoke with my supervisor in an attempt to collect.
I contacted Equifax several times because I am unable to access my credit file. I called them for the last time on today  XXXX / XXXX / 2017  and spoke with a rude lady by the name of  XXXX   XXXX . I was calling to inform her that I needed to dispute three things on my credit report and she told me I could n't dispute them. Also, I asked her why I could n't access my credit file online like everyone else and she stated because I was a victim of identity thief. I understand that now but that matter has been cleared up for ove r 3-4  years now. I would like to access my credit file just like everyone else and she told me I would be able to access my file at all and this would be indefinite. Before hanging up I asked if I could speak with her  manager  or supervisor and she stated no. I want this lady removed from Equifax and I do n't want Equifax department of consumer affairs handling my credit file I want my file treated and maintained like a normal consumer. Please have Equifax release my credit file
Midland Funding is reporting on my credit for XXXX debts. I do not know anything of these debts as I have not done business with Midland Funding.
Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : CPS/XXXX Amount : {$500.00} Date Opened XX/XX/XXXX This shows it's a debt for an Auto Loan.

It still shows that I owe money to my loan which I do not. I have completely paid off this loan back in XX/XX/XXXX It is also showing several late payments as well that is uncorrect. 
I have called this creditor to get this resolved they mentioned they would remove lates and update the system to show paid but this is still reflecting on my credit report that I owe. 
The company has provided me a Letter of proof stating that this debt has been paid. 
I would like to request this debt to be Updated to show XXXX balance owed including removing falsely lates. 
Please let me me know what I have to do do get this removed especially since this debt has been paid and I have proof of the letter attached. 

Thank you, XXXX XXXX
I have had my loans for now for almost 10 years. yes I have put them in forbearance a few times due to hard times. I have received multiple notices throughout this time to consolidate the loans and it has always benefited me to do so. This time under Navient being my servicer I felt cheated and lied to. I called and asked about benefits in consolidating my loans with Navient and they responded that if I consolidated I would have less payments to make and therefore less interest would accumulate on the accounts ( at the time I had multiple subsidized and multiple unsubsidized loans. After I consolidated I found out I lost an interest rate deduction of .XXXX % from a previous consolidation with the Department of Education ( previous servicer ). After consolidating my interest rate went from XXXX % back up to XXXX % which on {$60000.00} is a big deal -NO WHERE WAS IT WRITTEN THIS WOULD HAPPEN TO ME. Unfortunately for me I decided to go back to school right before the great recession in 2007 so my interest rates are higher than my mortgage and my car loans combined. Why am I paying so much interest for an education! back to Navient. - One time I called in telling them I wanted to pay off my XXXX % loan with a lump sum payment. They were arguing with me on how to apply the payment telling me I needed to use {$2000.00} of my {$10000.00} payment towards some interest on the that did n't even exist and had n't accused yet if I want to pay off that loan in full. I did n't understand it but gave her the {$10000.00} payment and who knows how she applied. All I know is this - I 'VE HAD MY STUDENT LOANS FOR 10 YEARS - I borrowed XXXX and now I owe {$62000.00} - I made a lump sum payment of {$10000.00} - do the math - with the way my loans are accruing interest I will never pay them off, I 'm on the income based plan but with everyone wanting to consolidate me all the time ( XXXX already now ) I keep losing my " time '' under this plan and I keep starting over .... oh right I lost that too when I consolidated and she did n't say anything about that when I called either. My mom does n't understand why I have to report my income every year to the Federal Gov so they can determine my payment. Feels like modern day slavery to me except now it anyone with a student loan that is a slave.. We will never pay off this debt with the way this company is compounding interest upon interest upon interest. something needs to done with the amount of interest I am paying. Why am I paying more interest to the government for my education than I am to private banks for my mortgage or for my car or for anything else I want to borrow money for????? - SOMETHING IS WRONG HERE!! 

XXXX, XXXX XXXX XXXX XXXX FL XXXX
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
I have a loan with pennymac transfered from XXXX XXXX to XXXX. I spoke with people fromPennymac more than a week ago. They told me they were going to send me papers in the next seventy two hours, and I have not heard from them. My name is XXXX XXXX
On on XXXX XXXX I have called my self XXXX XXXX XXXX  in XXXX California of a debt I have with XXXX and we have made a deal that i will pay the first amount of XXXX than every month to pay XXXX in which I have done just that phone electronic to my bank as follow : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX ( for the month of XXXX ) I finish to pay as agree according to the deal on paper XXXX XXXX send to me. As I finished to pay. Now I received another bill that I own more money as well every seconds their harassment phone call from my job and my cellular phone.
This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations '', as well as, the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}, but proceeded to tell me only 9 days after statement that was sent, the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people, particular the employee XXXX.
I have about {$40000.00} total in private loans through Sallie Mae. My interest rates range from 9.125 % -9.875 % ( averaging to about 9.5 % ) among the XXXX loans, resulting in payments of $ XXXX/month. Unfortunately, I only make XXXX a year as a XXXX and I also have federal loan payments to make along with rent and insurance, so {$550.00} a month is pretty unmanageable. This issue with Sallie Mae is that I brought this information to their attention and tried to get them to work with me in some way, but they stone walled me at every turn saying they can not do anything for me, except a 0.25 % decrease by signing up for auto-pay. I asked if I could be transferred to another department ( collections ) and they stated that they can not transfer me and I ca n't even speak with collections " until my account is delinquent ''. I even tried to extend the length of my payment period, but again I was met with a firm and absolute " no ''. I have attempted to refinance my loans through other agencies, but my debt/income ratio is too high, so I am essentially stuck with Sallie Mae and their bullying. Overall, I am between a rock and a hard place in that Sallie Mae has backed me into a corner and wo n't budge unless I become delinquent resulting in late fee buildup, interest accruing on the loans, and sacrificing my credit score. Even if I do become delinquent I have no reason to believe Sallie Mae will do anything other than destroy my credit score and assess fees to tack onto my already difficult payments.
I asked the company for a request that was two-fold ; submit my right to waive XXXX regarding communication with a third-party and second, to verify debt via signature, documentation, and information necessary to establish verification and validation of debt. The company submitted an account number with my name on it, which was not the necessary information requested to negate fraud concerning my identity as I am unaware of said debt.They continue to negatively report information without proof.
I just applied for an application online & it states that 's it 's a secured website & it asked for all my information such as social security bank routing & account number & I called my bank already discusse d the information & I was also told to report them but I got an email saying to log into the account to check the sta tus of my loan & gave me a temporary password I tried to log in with the password given & was not able to I read all the reviews & they also had complaints about this website   XXXX    same situation could n't get a hold of them & or trying to log into the account they provided I just want to stop my application now because of the past conflicts along with all the information they required before " being approved '' im hoping I would n't have to change m y social & account  information but will do  ..  due to fraud