WillisBack/dataset-financial-user-claim huggingface dataset:
An account was opened fraudulently in my name ( navy federal ) while I was overseas. The account was opened online. They did an investigation and still said I was responsible. Which I dont t understand if I was overseas. Plus my last known address in the states was completely different. Ive been dealing with identity theft for a long time and trying to fix everything.
After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.
I was charged a return check fee in error in XXXX of 2015 by Barclaycard XXXX. 
I called their customer service line and was assured that it had been removed. When my payment date came and went in XXXX, I was charged a late payment fee as well as interest on the borrowed money. I called again to complain about this issue, was told that XXXX the original returned check fee as well as the late payment/interest fees had been removed and that the information should show up on my account in 2 business days. 2 days later, the interest and late payment fees had been removed, but I still had a balance from the returned check fee. So I called again and was told that the return check fee had already been removed and that it should have shown up on my account. It still had not and so I was again told that the original returned check fee should be removed and that it should show up again on my account. This time I waited a couple weeks more before checking again and again seeing that it had not been resolved. This back and forth went on through another payment date and again i was charged a late fee and interest on the account. I 've called again and am waiting for them to call me back in 3 days to confirm that everything has been resolved and my balance is at XXXX.
I returned to school in XX/XX/XXXX. At that this time my student loans that are serviced by Navient went into deferment. I continued to make payments every month on my student loans over the amount of the interest, payments were normally around {$450.00} as to make sure that I was saying ahead on them. I called into Navient and was told that my overpayment would be equally applied ( after interest was paid on my unsubsidized loan ) to each of my student loans unsubsidized and subsidized. In XX/XX/XXXX I was reviewing all of my loan documents as I was ready to come of deferment and realized that Navient had only applied the overpayment to the subsidized loan to that they could keep the unsubsidized loan at as high of an amount as possible to collect more interest on it. From XX/XX/XXXX to present I have had to email and request that all overpayment be put toward my unsubsidized loan so I can even out the loan amounts so I am not paying almost three times the interested on one loan over the other. They implemented an online process that asks where you want the overpayment to be allocated to but even after you select between the options they still only put the amount to cover the interested to the unsubsidized loan and the rest to the subsidized loan and I have to email or call in to get it reallocated. As a company they are very dishonest by not doing what the consumer is requesting and even pretending to put in a program that will help with it but still resorting to their old ways.
Attached is my ID, all other addresses on my report should be blocked for they are not mines.
XXXX keeps calling for an employee at work. Employee is in XXXX - employee sister owes the debt
I have disputed this account particular account more than 10 times with t he credit agencies and the creditor. The creditor has failed to validate the debt yet the credit bureau will not remove it and its damaging my credit file immensely!
My Capital One Credit card last reported on XXXX/XXXX/XXXX that I had a balance of {$5400.00} with a credit limit of {$6500.00}, showing 84 % usage. This has been paid off with a zero balance since XXXX. This has caused my credit score to drop over 40 points and I am in the process of getting a mortgage. I have called the credit agencies AND Called Capital One who said this may take 60-90 days. ALL I AM ASKING IS THAT THEY REPORT to the Credit Agencies but they say because I am in Florida they STOPPED CREDIT REPORTING BECAUSE OF XXXX. THIS IS GOING TO CAUSE A negative situation in possibly not getting my mortgage OR getting a higher rate. Are there attorney 's that I could talk to about getting this taken care of PROMPTLY? Today is XXXX XXXX, XXXX, so it is over 2 1/2 months since they reported the information.
I received a letter from Portfolio Recovery Associates LLC today on XXXX XXXX XXXX about a debt they purchased in XXXX. I paid the amount owed back in XXXX to clear the debt. The other problem is that had I not paid the debt is that the statute of limitations ran out in XXXX. 
They state in the letter " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' If I receive another letter from them can I take them to court?
We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.
Americollect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this
I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before  XXXX  I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.
In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension. 
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose. 
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking? 
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?

3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?
I HAVE A COLLECTION FOR XXXX XXXX  AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,
after receiving services from this company before, somehow my identity was stolen for the opening of another account in which my identity was stole, I have submitted proof by sending my police report, and identity theft affidavit from the FTC also complaints to the XXXX. this company has responded by maintaining that because the same information that was used to obtain services in the past and also garnishing my wages for this account that they can somehow ignore what I have been directed to send them in order to restore my good name, I will attach a copy of documents sent to them
My end of lease excess mileage cost was calculated incorrectly. The company will not fix it and has ruined my credit.
COMMON WEALTH FINANCIAL needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that COMMON WEALTH FINANCIAL Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Multiple calls and notices in the mail to an account I had disputed with all XXXX credit unions and was resolved by it being removed. 
I do not owe this debt.
XX/XX/2018 Wells Fargo and all assignees XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Responding to Wells Fargo answers from previous complaints Please be advised that the financial institutions answers does not change all or any of the original complaints against them nor the facts attached in relation to same. 

A ) The answers delegated and projected by Wells Fargo are evasive thou well intended Yet they do not in any way represent any solutions or remedy to existing problems generated and caused by them. 

B ) Wells Fargo does not offer or provide any decent solutions by showing and demonstrating their intent and contention of replies. 

c ) The more I see their documents the more I see corruption, the more I see their response the more I know the purposes of my complaints. 

D ) Wells Fargo you may deny the truth but the truth will not deny you E ) all and every complaint used against you did not come into existence because you did something right it actually proves you are still doing something wrong. 

F ) There is no word to accurately describe all of the fraudulent corruption you have practiced both passively and actively in your involvement and practices but rest assured its for certain Wells Fargo your day of correction and constant abuse is coming to an end sooner than you think, your biggest investors will testify against you perhaps that will refresh your memory, and the restitution you owe is greater than all of your investments combined. 


The foregoing is in direct reply to Wells Fargos answer in my mind its considered dejected and without merit. 


Sincerely : XXXX XXXX XXXX
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for SANTANDER CONSUMER USA to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
I am one of the many affected by the RushCard fiasco. Today is the XX/XX/2015. My card is still being declined. I spent XXXX hrs on hold today. I have received txt saying my funds are on my old expired card.
I have 2 separate cases with Capitol One. The first being card acct XXXX. I was always on time with my payments. When I made a payment with my XXXX XXXX card it was n't until 2 weeks later that I was informed via email that the payment did n't go through. I had no idea as to why because it was not a matter of insufficient funds. So I called and the rep thought maybe it was some sort of tech issue. She then proceeded to take my payment info to reprocess the payment. It all went through and I was given a confirmation number. Then 2 weeks later I received another email stating the payment had n't went through. I called again and was told that they could n't process XXXX XXXX cards. Fine time for them to all the sudden know this. Nonetheless I had XXXX XXXX send a paper check which is another service they offer. Capitol One claims they never received it. I called again and this time I have a 3 way with Capitol One and XXXX XXXX. The XXXX rep explained that the check should have been there on a certain date, however he was now giving another date to the Capitol One rep who  noted everything. This whole thing started to appear orchestrated, So it placed me behind things got screwed up with the domino effect. Then CO restricted my card and said I would have to pay XXXX to get the restrictions removed. I did that but they reneged. I told them to close the account but they kept it open I was not going to pay anymore interest on a card where I did not have services. I was willing to pay my balance but they kept increasing the amount. So I filed a complaint but nothing came of it. At this point I want the balance cancelled because they will not put it at the amount that it was when I closed it. 
The 2nd case is account XXXX I have always been on time with my payments. Then they jacked up my minimum payment of XXXX to XXXX. So I sent a money order for XXXX to get it paid off and close it. Capitol One claims they never received it. I filed a dispute and they credited my account. However they took the XXXX back off despite having cashed the money order claiming they still had not received it. I contacted the post office and the money order company-XXXX XXXX. They sent me a letter confirming the the money order had been cashed. I have sent Capitol One a copy of this letter. Yet they still have not resolved the issue. I called ( as I 'm fed up with having to call ) and requested that the supervisor email me, i have not received any contact. As far as I can see this has been orchestrated to ruin my credit even more,. What they are doing is illegal even criminal. I want this balance cancelled as well. I 'm done with Capitol One.
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX AND OTHER DATA FURNISHERS. XXXX   CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW
Wells Fargo Fraud Claims Department will not process my fraud claim, and asked me to fax my claim its Reconsiderations Department. I filed an FTC Identity Theft Report, and was told by a supervisor named XXXX in the Fraud Claims Department that I could be liable for fraudulent purchases made on my account after I made a payment on my account. Mind you, both payments made were on concurrent days, one by phone and one online, and neither payment would show me account activity that could have alerted me to potential fraud. Further, I am being told, when similar fraud has occurred on my other credit cards, as in an entire account take-over, those fraud claims have been resolved, yet Wells Fargo tells me it will take 30 to 45 business days to resolve this claim. I am currently applying for mortgages and can not have this high revolving credit account appear on my credit report and bring down my credit score, affecting the kind of mortgage I could possibly get. In addition, I have sent proof to Wells Fargo verifying my whereabouts when certain fraudulent charges were made, making it impossible for me to have made these fraudulent charges. Please help me have Wells Fargo resolve this claim timely so I can apply for a mortgage and get the best rate possible, keep my credit score intact, and allow me to regain control of my life. The Reconsiderations Department at Wells Fargo does not have a telephone number where I or my Consumer Protection Attorney can contact them to discuss this claim, as I want to be proactive and not reactive, especially given the large money amount involved and the extent of identity theft with this and my other credit card claims.
My Name is XXXX XXXX, my email address is XXXX and I live at XXXX XXXX XXXX XXXX, TN XXXX. I am writing regarding the handling of my personal bank information by a debt collector. 

I received a call from " XXXX '' ( would not give her last name ) from Wakefield and Associates in XXXX, TN about a {$5.00} medical debt. The call was friendly and cordial and since it was such a small amount I didn't question the validity, I told her I would just go ahead and pay it. The trouble came when we discussed payment options and fees. She informed me that if I paid by credit card the fee was over {$5.00} and actually more than the debt and I could pay by electronic check. I agreed but to my surprise she already had my bank routing number and bank account number and simply asked for me to verify the approval of the payment. This is extremely bothersome to me, I have paid for over looked medical bills in the past and it is certainly conceivable that I have dealt with this company before and given them that information to pay for a debt however, I never expected them to store my bank account information. This is concerning for a multitude of reasons and while I am ignorant of the laws regarding debt collectors storing bank information I certainly do not want my information stored. 

Thank you for you attention, XXXX XXXX
You are reporting an incorrect address on my credit file. Please remove the following address : XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX