WillisBack/dataset-financial-user-claim huggingface dataset:
I paid for a ( 1 ) year membership with the XXXX XXXX XXXX ( XXXX ). Part of the membership benefits was a " paid by XXXX '' ( 1 ) year subscription to XXXX XXXX XXXX XXXX ( XXXX ). I received the appropriate number of magazine issues ad then they stopped being shipped due to the XXXX membership not being renewed. Two months went by without any problems. In XXXX 2015, I received a collection notice from North Shore Agency ( NSA ) on behalf of XXXX to collect a debt of {$16.00} for the XXXX issues that I had received as part of my XXXX membership. At no point prior to receiving the collection notice was any kind of billing or invoice ever sent from either XXXX or the XXXX to me stating that I owed money ( being it would have been the XXXX 's bill, not mine ) for those magazines nor did I receive any correspondence asking if I wanted to assume the XXXX debt to XXXX by renewing the XXXX subscription. I emailed XXXX to inquire about this, direct them to contact NSA to repeal the collection, ensure my credit has not been negatively affected by this erroneous action and asked that they call me immediately. Two weeks passed before I received an emailed answer from XXXX which has been archived if you need to posses it ( dated XXXX XXXX, 2015 ). No phone call to me was ever placed. The XXXX email stated that they have absolved me of having to pay for any previous or current issues and if I had any other problems to contact them. The email did not address whether they had contacted NSA or conducted and action protecting my credit rating. On XXXX XXXX, 2015 I received a second collection notice from NSA that took a decidedly condescending tone ordering me to pay the {$16.00}. On that same day, I responded to the XXXX XXXX XXXX email explaining that I had received a second letter despite the release of charges by XXXX. I also stated that XXXX failed to do XXXX things : 1. Forward info to NSA and recall the collection ( assuming NSA was n't just ignoring the notification and 2. the failed to call me in a timely fashion to prevent this from being exacerbated because of the time in between emails. I then advised by email both XXXX and NSA that if I did not have full resolution to include fixing my credit which took a XXXX point loss due to this problem in ( 5 ) business days which would have been XXXX XXXX, 2015 I would report both companies to the FTC and any other agency that is designed to ensure companies are in compliance with regulations.
I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
This is just XXXX of the XXXX late payments that they reported to the credit bureaus Account Details Last Reported XXXX XXXX, XXXX Creditor Name FEDLOAN. Account Type Student Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 146 Months Monthly Payment {$0.00} Responsibility Individual Balance {$3200.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status 60 Days Late Date of Last Payment -- Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor. With no monthly payments, am current, no date of last payments, how can I be late on those payments?? FedLoans was opened XXXX XXXX last reported XXXX/XXXX/XXXX They need to furnish me with the POLICY/ GUIDELINE manual for XXXX, I want proof that I was late 60 days, and how and why, and the exact timeframe from XXXX in which they are required to report, when they are stating in my credit reports I was late on XXXX different FEDLOAN reportings on my credit reports with all XXXX late at 60 days, a payment of 60 days! in which was in deferments or forbearance at that time, also I had spoke to a CSR and they stated they do not report to credit bureaus until after 90 days!!! If they can not they need to remove all that they have reported to the credit bureaus immediately!!! It adds up to about {$35000.00}!!
I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with XXXX XXXX XXXX. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and Equifax has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX confirmed the identity theft and deleted the XXXX XXXX XXXX  account as well. Both XXXX and XXXX XXXX show my credit history as excellent. Equifax is being duped by XXXX XXXX XXXX  as they state that the fraudulent account is valid, which is a joke. XXXX XXXX XXXX  is in violation of the subscriber agreement they have with Equifax pertaining to accurate reporting. Each day that XXXX XXXX XXXX   carries this item on my Equifax report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if XXXX XXXX XXXX  continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
I disputed a collection account from XXXX on my credit report to experian, they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say XXXX, cause as I stated in my original dispute the account was incorrect. So how did XXXX verify an account another credit reporting agency could n't? Does Not exactly explain out very well.
ARS Account Resolution is reporting invalid information to my credit report. I have asked for Verification of the following accounts XXXX XXXX XXXX and have yet to receive it
I submitted 2 mortgage payments to Ocwen Financial, one on XXXX/XXXX/2016 and XXXX/XXXX/2016. Both payments were not credited to my account until the next day resulting in erroneous reporting to credit bureaus. I made the same payments on another mortgage with XXXX which both were credited the same day. Ocwen is the only company that will not post payment same day resulting in additional late charges and erroneous delinquent credit reporting.
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I vacated my old apartment on XXXX/XXXX/2015. I provided to the apartment my forwarding address where the balance of my deposit should be sent. I never receive any from my old landlord. I started to receive call from the collection agency ( XXXX XXXX XXXX ) asking to pay an alleged debt regarding this matter. I told XXXX that I was not aware about the debt and I needed more details. I visited my old apartment to find out more about the matter. Unfortunately, I found that the apartment did change the name. I asked my lawyer to write to the collection agency to request more information. While I was still waiting for the answer, which came today, the collection agency XXXX XXXX XXXX report NEGATIVE INFORMATION on my credit report. I attached mails I exchanged with the collection agency
I 'm on the 2nd step with keep your home california, i finished the 1st step, interview process on XX/XX/17. A fraud foreclosure letter was already created by the DA on XX/XX/17 as well, which I received today. I 'm sending my required documents to keep your home California very soon. I need to make sure I still have my home while in the process. Are n't I protected under foreclosure protection act??? XXXX ( XXXX ) XXXX
I am XXXX XXXX XXXX. 
I opened an online account with skrill using the website www.skrill.com I got XXXX $ in my wallet and I can't withdraw the money as they won't let me withdraw it or transfer it ... They made me go through the verification process and after doing this they won't still let me have access to the money and skrill got lots of persons complaining about there service on XXXX XXXX ... They are scammers and don't have customer care service that replies or attends to customers.. 
Here is the Emails I used in signing up with skrill .... 
XXXX XXXX. 
I have verified my documents and I got an email that I have been verified but they won't let me access my money on the site and it shows verification pending on the site
I graduated from XXXX University in XXXX, Ohio and I have a large sum of private student loans from XXXX XXXX/Navient XXXX {$80000.00} ) in which my father is my cosigner. After I graduated college and started making payments on my private loans, I wanted to look into how to remove my cosigner. The loan holder company informed me that to remove my cosigner I had to make 12 months of principal plus interest payments and then submit an application. I followed this advice and made those payments for 12 months. When I contacted the company to ask for the application, another individual told me I was misinformed and that my loan actually required 24 months of those payments. She also told me that my balance needed to be significantly lower in order for my application to be approved. After discussing it with my cosigner, the decision was made to not continue making those large payments for another year because it was suggested that we would not be approved anyways. Fast forward a couple years and my cosigner 's health is not in good standing. With the threat of having to owe the entire loan back whenever he passes, I reached out again to see what I could do to have him removed as my cosigner. Interestingly enough, I was told 12 months of principal plus interest payments. When I learned this I asked if I could go ahead and apply since I had met that requirement a couple of years ago. They informed me I was not eligible because those payments have to be made in the 12 months before I apply. I am hesitant to make such payments again when they seem to be inconsistent among their employees. I was informed that their policy can be changed at any time. My fear is if I made these payments again XXXX which is financially hard to do XXXX that they will just tell me different information when I ask to submit an application for cosigner release.
U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in XXXX2014. Would like to know why it is taking so long to foreclose on this property.
I am a victim of fraud from this company. They have made a report on my credit report file. I am unaware and did not open any accounts. This has caused my credit scores to drastically fall. This is a scam company collecting fraudlent debts.
I was trying to purchase some merchandise thru XXXX and received a decline notification. There was a message that said my payment method which was my bank account was declined as your preferred form of payment. It then gave me a phone number to Tele-check and I called them. I was told that there were 5 previous charges that were returned to Telecheck from my bank as Non sufficient funds and I would have to pay for the charges and an additional {$25.00} for each debit that was returned which turned out to be which. So they wanted me to pay an additional {$120.00}. I then checked my bank account and so those five debits cleared my account on XX/XX/2018. This happened today XX/XX/2018. Then I called Tele-check back and then they said no this was the second time we put this thru. And then I stated to them those debits cleared my account on the night of XX/XX/18 posting on XX/XX/2018. She said you the to pay the NSF fees of {$120.00} even thought the charges cleared your account. And she also stated that the charges still show outstanding in their system. I am not paying an additional {$120.00} for items that have been paid by my bank. She then said that they have already processed the fees to go through my bank any ways and if I don't pay them then I will not be able to use my bank account to pay for anything on XXXX. I told her I am not paying any fees especially when the items have cleared the account. Attach I have my bank statement showing the items cleared.
Account number XXXX was reported as a charge off and later paid off to Conns department store. I then received a check from conns on this account after they collected the charge off money saying that this charge off was paid. I have been calling different areas of conns since XXXX  of 2017 trying to figure out why This has not been removed off my credit report and off the account that is reported to their sales team in the store. I have spoken to several people and everytime I would get we are working on it or I do not know what else to tell you are this will be resolved in ten days. I have patiently waited and ask for some relief.Conns have no answers. They apologized but still no results. They have initially stated that they are walking over to the accounting department and I will get call backs and nothing transpired. almost 1 year later.The third party to whom apparently they sold the debt to can not be reached. I received no correspondence from conns as to why they accepted the money and not removed this block and report on my credit file. This is currently still happening. They explained to me two months ago that they have requested a roll back on the reporting and nothing transpired. I need an explanation of where is the money that was supposedly paid to this account who has it and why has this not been removed off the account immediately. Since then I have spoken to a XXXX XXXX and awaiting any correspondence that he may have and so far nothing has transpired.
Got something in the mail and it did n't even say what the debt is. It dosnt even say when it was done.
We opened a 16 month CD account@ 1.5 % APR effective XX/XX/XXXX and maturing on XX/XX/XXXX. We were not notified by letter that the CD was about to expire or asked what option we wanted. When we realized that the CD had matured my wife went to the bank. They stated that since we did not notify them as to what we wanted to do they rolled it over to another 16 month CD with an APR of 0.03 %. She told them that we wanted to be notified by letter or email when this CD was maturing. They stated that they would inform us by letter when it was about to mature. 
In XX/XX/XXXX, my wife said to me that she thought that our CD should be maturing. My wife called the bank and they said that it had matured and they rolled it over again to another 16 month CD@ 0.03 %. When we asked them why they did not notify us by letter or email as we asked and they said that they would do they could not give us an legitimate answer. 
We decided to close all accounts with this bank and pay the mere penalty of 3 months interest. Then they hit us with the {$50.00} on top of that which could have been waived. 
We would have filed a complaint sooner but we did not know that it was a law that they had to notify us by letter. It was twice that they did not notify us.
I asked the Collector to send me a Validation Letter ( My Right ) and they refused to do so used prophane Language and threats
Loan Number XXXX XXXX XXXX XXXX from XXXX Private Loan Trust I called XXXX several times to fix what is reported on my XXXX  and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with XXXX however, this is not reflected on my credit report.
XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.
Equifax was hacked and my private data was stolen ( SSN, birthdate, full name, etc. ) and is now susceptible to identity thieves.
THIS IS A COMPLAINT AGAINST A COMPANY NAMED XXXX XXXX/XXXX XXXX. THIS COMPANY WAS TOLD AND SHOWN ON NUMEROUS OCCASSIONS THAT AN ACCOUNT THEY ARE REPORTING TO MY EXPERIAN CREDIT FILE IS FRAUDULENT AS I AM A VICTIM OF IDENTITY THEFT I HAVE A POLICE REPORT AND THEY WERE NOTIFIED NUMEROUS TIMES GIVEN A COPY OF THE POLICE REPORT, AND THEY STILL ARE REPORTING THIS ACCOUNT TO THE CREDIT BUREAU. THIS IS NOT MY ACCOUNT IS WAS A DIRECT RESULT OF IDENTITY THEFT I SUSTAINED, AND THEY ARE NOW REPORTING IT IN COLLECTION WHICH HAS DESTROYED MY CREDIT PROFILE. I HAVE ASKED THEM WHIT COPIES OF ALL THINGS THE FCRA TOLD ME TO SEND TO THEM, POLICE REPORT, MY ID, ADDRESS ID, EVEN A COPY OF THR FCRA SECTION 605B, AND SENT IN NUMEROUS COMPLAINTS TO EXPERIAN CREDIT BUREAU. THE CREDIT BUREAU TOLD ME TO SEND THEM A LETTER WITH ALL MY PROOF, WHICH I DID AND STILL THEY HAVE REFUSED. I HAVE NOW SEEKED OUT LEGAL COUNSEL TO POSSIBLY BRING THEM TO COURT IN THIS MATTER. THIS WILL BE MY LAST ATTEMPT TO FIX THIS FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT FILE, BEFORE I GO TO COURT.
On XX/XX/2016 paypal has limited our business account due to the fact that there was a charge back from our client. After speaking with the client who stated he " accidentally '' disputed the charge on thi credit card because he did not recognize nor ever done business with paypal who 's logo was displayed on the bill instead of our company logo. 
Client 's credit card bank XXXX then reversed the disputed charge, deducting the amount from our client 's account and crediting back to paypal ( see attached letter form the bank ). Paypal however claims NOT to have received these funds and is demanding us to cover the negative balance on the account. Our numerous attempts ot resolve this issue with paypal were ignored. We were told to wait 75 days then 90 days and still money is missing ... When requesting a further audit and search for the funds we were told by XXXX that she 's the top fo the food chain and this issue can nto be escalated any higher .... 
please help this is unfair collection practices and wrongful termination of the account case, as well as sabotage of the existing business.
Repeated phone call from independent recovery resources they also call themselves IRR. # 's they call from non stop XXXX, XXXX, XXXX, XXXX, XXXX. Non stop throughout the eveni g. When I asked for a verification of this debt they have nothing. When I called and told them to stop the robocalls they told me they handed this off to an attorney and I was going to be sued
- A credit card bill for the month of XX/XX/XXXX-XX/XX/XXXX, for {$3000.00} ( with a minimum payment of {$30.00} ) was due on XX/XX/XXXX.

- A payment for the full amount of {$3000.00} was mailed. The payment posted on XX/XX/XXXX ; two days late.

- The bill for the month of XX/XX/XXXX-XX/XX/XXXX, for {$4500.00} ( with a minimum payment of {$110.00} ) was received. This included a late fee of {$25.00} and interest of {$73.00}. Payment due date was XX/XX/XXXX. 
- I contacted the credit card company customer service. I stated that in view of the short ( 2 day ) delay in posting the payment, I thought the late fee and interest was unreasonable. Nevertheless, after a short discussion, I agreed that, in view of the fact that the payment had posted late, I would pay the fee and interest. I mailed a payment for the full amount of {$4500.00} ( including fee and interest ). This full payment posted on XX/XX/XXXX, a week ahead of the due date.

- The bill for the month of XX/XX/XXXX-XX/XX/XXXX, had no charges, but another interest amount of {$46.00}. Due date is XX/XX/XXXX.

- I again contacted customer service and spoke to a supervisor. I was told that interest charges accrue over two months, even when all charges, fees, and interest are paid in full. I stated that I thought this was unreasonable and most likely illegal. I stated that I had no intention to pay the additional interest.
I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ...