WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}
My problem started in XXXX 2017. Suntrust Bank N.A. Refunded some of the fees for my items which were submitted to be paid ( such as health memberships, XXXX, etc ). My cable bill and my cell phone bills went through this account as well. In XXXX 2017, I became ill and noticed that my acct was overdrawn by {$200.00}. I called the bank and told them I did not want them to honor any automatic payments. I spoke with the manager on XX/XX/XXXX and she said she had reviewed my account and would call me back. She never did and the charges have now amounted to -XXXX. <P/>I am going to close this account, and I have contacted my automatic billers to not bill that account. I have accrued over {$500.00} in {$36.00} overdraft fee increments. Please assist me in recovering some of these fees.
A private loan in the amount of {$8100.00} with an unknown co-signer was taken out in my name without my knowledge for the date of XX/XX/XXXX. I was attending XXXX in XXXX, Florida. They closed the school, I did not finish the semester. I did not receive the funds, they were sent directly to the school. Sallie Mae was the original borrower before they became Navient. I received letters stating loans were consolidated. ( I also had Federal loans from a different School ) I received a letter several months later in XX/XX/XXXX, also stating that only one payment a month was necessary and they would disburse it between the loans. I was not aware that a private loan was included. So I made payments on this private loan for several years before I realized it was not a loan I had signed for. I attempted several times to correct this with Navient. I was told that there was nothing they could do. I requested all paperwork that they have. I have received copies, however, these copies have been altered by Navient themselves. This loan was opened fraudulently and mishandled.
My office is helping an elderly couple with the short sale of their property. An offer was obtained within XXXX of bank 's asking price, to further move this matter along my office requested reduction in all Closing costs to maximize the amount being received by the bank. We keep getting denied stating that investor guidelines are not being followed with no clarification. My client 's can not afford this home and do n't wish to have it sitting under their name for years until it 's foreclosed we need assistance.
They closed this account ( ending in XXXX ) in XX/XX/XXXX, I completed paying it off in XX/XX/XXXX. right now there is a Credit balance of {$9.00}.

I had set up auto pay on their ( Bank of America ) website, and in XX/XX/XXXX of XX/XX/XXXX I was no longer allowed access to my account there.

I called to have them stop the Auto pay, since I had paid off the account, and was told then they would. They didn't ... ..

I called again in XX/XX/XXXX to again have them shut off the Auto pay, I was then informed that I needed to go to the Bank I had set it up with to have it shut off. I told them that it was on their website, and they are the Bank I set it up with. I was then told to log into my account and shut it off, I explained that I don't have access to my account on line, and I needed them to shut it off. I was transfered to IT, and was told that the account had been closed back in XX/XX/XXXX, and that is why I don't have access to it. I told them that the Auto Pay needed shut off, he said he had access to it, and will do it for me right then.

In XX/XX/XXXX I had to call again to get them to shut off the Auto Pay, they said they couldn't and I would have to go to the bank I set it up with again.

I went to my Bank that the Auto Pay is being charged to, and filled out the Stop Payment for Bank of America, and paid the {$45.00} to have it done.

I keep getting letters from BOA that the payment had not gone through. and emails about my account having a {$9.00} surplus.

And again this month they still tried to take money they aren't entitled to through and Auto Pay they won't shut off.
We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.
I writing this email as a written notice of the formal complaint I will be making to each one of the government agencies that I was told govern this process. This complaint is due to the lack of professionalism, sense of urgency and overall unexplained complications of this process. I mailed a check for the amount of XXXX dollars to the XXXX XXXX department on XX/XX/2018 and it was received XX/XX/2018. I was informed that the process of issuing the third of the draft should take 24 hrs processing once the check is received and 2-3 business days to be mailed to me. As of today it is XX/XX/2018 and not only have I not received the monies but when I called today to request the tracking number for the check that I was told by one the customer service reps, would be mailed over night because of my inconvenience, I was then informed that the check is not being mailed today but is cut in texas and will be mailed to new york and then mailed to myself ( in georgia ) which could also take 2 to 3 business days. So I would like to know who is to be held responsible for the extended time that me and my family are out of our home as well as the out of pocket expenses I'm incurring because I was told to start the process of repairs because I would receive the check in a timely manner.
Transunion validated a debt in my name without submitting proof or having the proof from the collection agency. How can they report something without validation? I requested proof of the debt, date contract was signed, anything tying me to the debt and was not received yet they still validated it. 

XXXX XXXX XXXX is reporting I owe {$320.00} to a payday lender, XXXX XXXX XXXX. I do not recall this debt or ever using this lender. All I asked was for proof of debt and that was never sent. This company has never sent me anything in writing. 

I want this investigated again.
I dispute a XXXX XXXX item on my TransUnion credit report on XX/XX/2018. And on XX/XX/2018 they said it was verified. ( It's No way if TransUnion did a proper investigation it could be verified that fast ). On XX/XX/2018 I contact TransUnion and spoke to the manager name XXXX XXXX at XXXX about my dispute in my dispute letter ( it's states I haven't received any documents with my signature on it ) so I ask XXXX did they have any contract with my signature on it and she said NO!!! This is a violation of the Fair Credit Act and my Rights. If TransUnion don't have a written contract with my signature HOW ARE THEY VERIFYING THIS ITEM???????? Why is it on my Credit Report???? And ask TransUnion to Verify all None account holding inquiries they are Not mine I contact All of the companies and they Never respond to me.
RE : previous complaint # XXXX 1. This Complaint is filed pursuant XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX. and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
The former name " XXXX XXXX '' or " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' should not be listed in my credit report as a former name used. I have never used the last name " XXXX ''. My credit report should only disclose my current legal name as XXXX XXXX XXXX, my former married name as XXXX XXXX XXXX, and my maiden name, XXXX XXXX XXXX, as these are the only names I have ever used.
I had an old account with firth third bank back in XX/XX/XXXX. I paid the overdraft fee at the branch. to date this this information is still showing up in my check systems history. theyare reporting the account as inaccurate. ive given the documentation of payemetn ( XXXX ) separate times. It is still on my report as of today XXXX XXXX. Im extremely furious and I wont them to be geld accountable for this inaccuracy, and remove this information.
On XXXX/XXXX/XXXX I paid XXXX, via USAA certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my account and posted to my 'closed ' XXXX account. On XXXX/XXXX/XXXX, USAA credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, USAA reversed the credit to my checking account. When I inquired I was told by a USAA customer service representative that a representative from XXXX confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with USAA and XXXX to correct this situation to no avail.
I had a personal loan with XXXX with a balance of XXXX. The debt was then bought by XXXX XXXX XXXX ( ncaks.com ) and I settled by paying 50 % which was XXXX. This amount was paid on XXXX XXXX XXXX. It appears that they then sold the paid account to XXXX XXXX who has been repeatedly calling my cell phone, my work phone, my husband and my sister in law stating that I have committed bank fraud and an official complaint has been filed against my SSN. None of which is true
The first issue is wrong address I never lived in XXXX Florida XXXX. I received this information through ExperianSecond issue is I never applied for an auto loan from XXXX the address is XXXX Fl XXXX and the date of the inquiry was XXXX XXXX, 2014 please correct that or call the consumer and find out how this got reported through my credit, I believe its an completely fraud somebody s using my social security and my name without my knowledgeThe third issue is XXXX XXXX Fl XXXX the date of the inquiry was XXXX XXXX,2014 I never was in this place I do n't know what their talking about do I need to contact the FBI?! 
PLEASE feel free to contact me at XXXX or email me a XXXXXXXXXXXX or write me at XXXX FL XXXXSSN # XXXX
I bought a car from XXXX  XXXX a XXXX XXXX XXXX Im being charged payoff {$15000.00} My payments are {$420.00} per month Principal XXXX month interest {$280.00} Im XXXX years old, XXXX   issues and I take XXXX XXXX I was scammed and I need help from this horrible loan. 
I have a XXXX grade education ... widowed.live on social security Can you help me or guide me to fairness..and honesty Is it still out there? XXXX XXXX The company is Santander U.SA Out of XXXX Texas
I have been disputing this information since XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a XXXX violation notification in XXXX 2016 to this company. I need forms showing where I signed for these account. Also my XXXX rights have been violated once any medical information has been shared with any 3rd party agency.
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX  once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.
I tried to use my account and it says it is restricted and when I called customer service, I couldn't understand what the agent was saying.
Experian has proven their incompetence several times. Now again they did n't correct an error on a XXXX account showing closed by credit grantor, which I contested it that it was closed by consumer, although they acknowledged proof I have sent they still not correcting it. They forcing me to start litigation! this company is not complying with FCRA guidelines.
Contacted bank of america customer service via 1800 number on the back of my card on XXXX/XXXX/2017. was advised the transfer of funds from my credit card to my checking account would be effective within 2-5 business days. Time frame was not met, funds have still not been received. Called today at XXXX EST and spoke with a supervisor named XXXX, who advised me this would be available and fixed within no later than 2 days. Still seeking resolution and investigation. A refund was issued from a merchant, after my credit card statement was paid in full. Now my credit card has a credit of XXXX dollar balance, Which makes it difficult to use my credit card because my balance will be negative, meaning bank of america owes me money, and that will not reflect positively on my credit usage and credit utilization towards my credit score.
I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.
I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in the  Commonwealth o f Massachusetts. In addition, the account balance in question was a corporate account with Bank of America that was settled through  XXXX  of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known as  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  realize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with Bank of America back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  XXXX   XXXX   XXXX   XXXX   XXXX  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not only   XXXX   XXXX   XXXX   XXXX  , but by Bank of America as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  XXXX   XXXX   XXXX   XXXX   XXXX  is in strict violation of my rights under the Fair Debt Collection Practices Act an d Commonwealth of Massachusetts General Law.
this account is to old and is not verified I want to see the contract that XXXX XXXX has with this company that allows them to report to my credit that is my right I want to know how for sure they know I owe this debt I want the a the on sight notes when this company became a member I will not take a update in XXXX XXXX as proof that this company has my ss # ans address
Barclaycard has been aware that a fraudulent account was opened with them using my information and they have not used any information I have provided to stop reporting this item on my credit report or unlink it from my information and actually investigate it. I 've attached a copy of the identity theft affadavit I have sent to them numerous times.
Green Tree Servicing initially refused to speak with my client regarding the status of his mortgage following the death of his partner. He filed a complaint with the CFPB. XXXX CFPB Complaint No. XXXX ). Green Tree agreed to add him as an authorized third party on the account, presumably in order to avoid regulatory attention. Green Tree was briefly willing to discuss the account. Now Green Tree has rebranded itself as Ditech and is again refusing to speak with him. I am concerned that my client may lose his home because Green Tree/Ditech does not have a uniform policy in place to establish communications with surviving partners -- particularly where a house is held jointly with a right of survivorship and the property passes outside of a formal probate process.
In 2012 Bank Of America refused to close my accounts or issue an order to stop payment, or accept my fraud complaint. They kept my accounts open and continued to allow my accounts to be charged, and charge me overdraft fees, thus causing undue stress and issues. My accounts were added funds which I wanted to reverse from XXXX loan companies, online source. They refused to help me with anything and I refused to continually add funds to my accounts until they fixed.
This is concerning my checking account with FirstMerit Bank. I deposited my payroll check for {$990.00} on Saturday, XXXX XXXX, XXXX. Today, Monday XXXX XXXX, XXXX, my funds are still not available for withdrawal. I called the bank and asked why this is the case, and XXXX the branch manager at the XXXX XXXX location in XXXX, Ohio told me that this is their policy and that it will be available tomorrow. If Saturday is a business day on which a check can be deposited into a bank, directly to a teller via their drive through ( not an ATM ), then it counts as the business day on which the check was deposited. Today would qualify as the business date after the date on which the check was deposited, and according to the Expedited Funds Availability Act of XX/XX/XXXX and Reg. CC, I should have AT LEAST {$200.00} available to me out of that check. Currently, my previous balance, not including my pay check, of {$57.00} is all that is available to me. FirstMerit Bank is violating federal law by withholding my money from me and I want them to stop doing this. None of the stated exceptions apply to my transaction - the check is not fraudulent, I have not overdrafted my account, the check is not being re-presented for cashing after not clearing, none of it. I do not have direct deposit available to me through my employer and I should not have to go to check cashing places and pay a fee when I have a perfectly good checking account.
I have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card
I am filling this complaint because I have been ignored by the Equifax. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.