WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 I checked my credit report and ATG Credit LLC is on my credit report for an unknown account with the amount of XXXX. It states the account was opened on XX/XX/2016 which is a LIE BECAUSE I did n't open any accounts in XX/XX/2016 that went to collections. ATG Credit did not contact me nor did they send me a letter informing of what ever debt this is which violated my right as a consumer to dispute or have whatever this debt is validated. According to the FCRA a collection MUST notify the consumer by letter of the debt to give the consumer a chance to ask for validation to dispute the debt. My rights was violated and I will be seeking to file a civil suit. This account needs to come off my XXXX CREDIT REPORT ASAP.
I was really hoping Macy 's had changed their bizarre practice of charging XXXX dollars after a balance is satisfied. I 've had a Macy 's card previously ( and currently ), paid the XXXX dollars after my total balance is settled, only to be charged XXXX dollars in subsequent months. When I 've called in the past, it has been explained as interest for the first month, and then a " mistake '' in the following months. The only way to stop the charge is to call and ask for it to be credited back -- and then I get charged again in the following month. I have found the most effective way to deal with this fee is to cancel the card completely. Luckily, I pay attention to my bills. If I were another consumer who did n't, Macy 's unfairly sets them up for late fees and additional charges that can impact their credit score. 

Thank you, XXXX
I have been a customer of USAA for 11 years. According to USAA records, someone called USAA pretending to be me and was given access to my account before withdrawing {$3900.00} from an ATM, which USAA reports is in XXXX XXXX. I live in XXXX, have not been traveling to XXXX XXXX, and did not lose my debit card. I was not in XXXX XXXX and did not provide any details regarding my account or personal data to anyone. I did not lose my debit card. My complaint has three components. First, USAA is refusing to refund my stolen funds claiming it was my fault and they are charging me overdraft credit cards fees to cover the stolen {$3900.00}. I do not see how this can be my fault if I did not make or authorize the ATM transaction. I need to stress, my ATM card data was copied and used for fraud as I had my current card,  which I rarely use, in my possession. The second part of my complaint involves the security of my account. The USAA customer service rep who started this problem did not properly authenticate during the call, allowed a bizarre debit card increase, which I didn't even know was possible, on the phone, and then allowed repeated large withdrawals from an ATM. All of these should of been flagged as they are clearly fraud. The third part of the complaint involves how USAA has handled this claim. Their customer services reps have lied to me reporting '' you are not responsible '' " Your account will be restored soon '' They are now taking money from my Visa card overdraft, and charging me overdraft fees to cover the stolen {$3900.00}. I have tried to remedy this situation for 2 weeks and its appears the situation is getting worse as they keep changing their story, charging me on the stolen funds, and have not even attempted to explore who stole my funds. I would be grateful if your team can help me resolve this situation. If its happening to me, I'm concerned USAA is committing this type of fraud with other clients who may be more vulnerable and unable to voice their concerns.
I applied for a loan online middle ofXX/XX/XXXX I was contacted by XXXX and I was approved they sent me {$200.00} they wanted me to get a gift card and give them the info back I did then they told me their computers went down I needed we did it the next day sign a check for {$970.00} did the same thing then they pulled the checks now I get texts from them
I purchased a used XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX GA. The loan was financed through Capital One Auto in the amount of {$16000.00} and the finance charge was {$12.00}, XXXX which brought the total to be paid at {$29000.00}. XXXX at an interest rate of 20.75 %. I have been paying anywhere between {$400.00} and $ XXXX month since XXXX/XXXX/XXXX and to date the payoff amount is over {$15000.00}. The car, even at the time of purchase was valued way less than the total amount financed, but the dealer convinced me that it was the best deal available at the time. It was my very first time purchasing a car and I was in a really bad financial situation and needed the car in order to maintain my job. In addition, I was ignorant to most of the terms and language that was used during the deal. I am now convinced that I have been a victim of predatory lending. What can I do to get out of this loan?
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
OCWEN Loan Servicing company has failed to process sevral items such as receiving hazard insurance documents, processing payments even after confirming that ACH program was set up, and errors shown on escrow account. Customer service was unable to assist with problem after spending hours on the phone. There has not been a single thing that has not had an issue.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against DIVERSIFIED for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
I have requested validation of the debt LVNV is attempting to collect, on numerous occasions but the company has failed to comply with my requests. Despite failing to comply with the validation clause of the FDCPA, LVNV is continuously reporting the unverified information to the credit bureaus. 

In my most recent attempt to acquire debt validation through the Consumer Financial Protection Bureau, LVNV submitted a " response '' however, the attachment was blank. I did inform the company their response was blank through the CFPB platform, however ; since there was no enforcement they did not resubmit the information. This is my second attempt through the Consumer Financial Protection Bureau and my fourth overall attempt to acquire validation of the debt. 

At this stage failure to provide validation of the debt or to stop attempting to collect on this debt will result in legal action. I am the XXXX and the invalid information you are willfully reporting is hindering my ability to acquire the financing necessary for me to earn a living. The current deal that your invalid information is interfering with will net me {$2100.00} per week. If this information is not validated and you continue to report it to any of the credit bureaus I will seek actual damages of lost earnings, statutory damages for your violations of the FDCPA, and recoupment of any and all legal fees acquired to enforce the law. 

While I am currently not receiving the assistance of an attorney, I assure you I do have the time, the economic means, and the grounds to pursue this legally.
It all started sometime back in XX/XX/XXXXwhen I was a loyal and good customer of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had my bank accounts at the two banks including my 2 checking accounts that this complaint is in reference to. On the same week in XXXX, a very small mistake was made at both banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. Before I was able to return back to XXXX XXXX to resolve the issue, both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Chex Systems. I have resolved the issue with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Chex Systems to remove the negative reporting. I also sent these letters to Chex Systems as proof. Chex Systems has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Chex Systems has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Chex Systems database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My mental health has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Chex Systems. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
XX/XX/XXXX-Chase discovers they were making property tax payments on incorrect parcel and requests payment in full. Suggested applying for a loan modification when we stated we did n't have the funds to pay in full and requested consideration to apply these back taxes to the outstanding loan balance. 
Following Chase 's instruction and how much they wanted to " help us out '' we sent our application for the loan modification on XX/XX/XXXX. 
In a letter dated XX/XX/XXXX, following months of providing Chase with all the information requested, speaking with different customer specialists several times over the ensuing months, one unpleasant phone conversation specifically regarding the property in question with customer support specialist # XXXX assigned to our loan, and continued letters stating they were still reviewing our application, we were denied. 
Upon reading the reason for denial, basically stating the property was a second home and not a rental therefore we did n't qualify for the Home Affordable Modification with Principal Forgiveness Tier 2, we found erroneus information and challenged their findings, sought legal couseling, and sent our letter of appeal addressing these specifics via certified mail XX/XX/XXXX. 
XX/XX/XXXX-Received letter from Chase explaining different reasons we are denied but not correcting the original error or addressing the original reason for denial. The letter also stated erroneous communication with the # XXXX Customer Support Specialist we have dealt with since the inception of the process which we believe contributed to the negative outcome. 
XX/XX/XXXX-New application packet sent without an explanation. 
XX/XX/XXXX-Letter introducing a new Customer Support Specialist XX/XX/XXXX-Mortgage payment refused by teller at bank XX/XX/XXXX-Called new customer support XXXX who explained Chase is starting Foreclosure process thus no payments are to be received. When asked to explain why previous payments had been accepted we were informed all payments made during the past year had been placed in a Suspense Bucket until there were enough funds to cover the new payment due reflecting the back taxes paid. We were also informed of a {$14.00} inspection fee the account has been incurring during this time to make sure the house had not been vacated or vandalized. We have n't heard nor seen any such report. 
After a lengthy conversation it was suggested to submit another application to perhaps slow down the foreclosure process We are at wits end and have concluded since Chase is not willing to work with us to pay back the back property taxes without doubling our mortgage payment, as they did, our only recourse is to short sale the property. 
We have never denied we owe the tax and never asked for a reduction in the principal balance. We had only requested an extension of time to repay and bring the account up to date and appropriately assigned the correct APN to the escrow account. The advice given by Chase initially to apply for a loan modification was clearly not the best way to correct the error Chase made and sent us on this futile journey for the past 11 months.
several times now I have been contacted by XXXX Mail by Lending Club. they say that I am pre approved for a {$20000.00} loan at a great interest rate. I fill out the application and they turn me down based on things found on my credit report. I keep getting this in the mail and I am tired of them promising loans and then turning me down. 
every time I apply they turn me down and this lowers my credit score every time. it is also a big waste of my time. if they say that I am qualified, then they had better give me the loan.
Your problem options did not actually have my issue so I checked closest. This is kind of a small thing but it concerns me they are doing it to everyone ; when I applied for my XXXX XXXX XXXX credit card online, there was a checkbox, already checked, to expedite receiving the card for an extra {$15.00} fee. I unchecked the box ; I was in absolutely no hurry. But they expedited and charged me anyway, and when I complained, they said they could not reverse that charge because " the application was received online. '' As though that somehow made it impossible for it to be wrong, I guess? First, that box should not be checked automatically to begin with, and second, I am POSITIVE I unchecked it. 
{$15.00} charges, over a lot of people, for something that probably costs them much less than that, is making them a lot of money and in my case, at least, was fraudulent treatment. People are probably just glad to get approved, it is n't all that much, how many people will bother to complain ; I hope a lot of us do and they have to pay us all back some day.
It shows on my credit report that there is a AWA collection from XXXX XXXX XXXX. I have never get a loan from this company and never received any statement from this company.
I leased a XXXX XXXX dealership with XXXX in XXXX. I returned it in XX/XX/XXXX at the end of my lease. I am now being charged {$130.00} for a tire repair kit that I was never issued. 

I called the XXXX Lease End Department and after multiple calls, I finally managed to speak with a supervisor who said that they will not waive the fee. They say if I want the fee waived, I need to go to the dealership, which has since changed hands 2 times, and convince them to give me this part for no cost. They then want me to ship it certified to them. I don't think it's right that I should have to spend {$130.00} to fix their mistake, and I don't believe I should have to haggle with the dealership to try and convince them to give me this part for no cost, and then have to ship it certified with my money. Their rationale is that it is illegal to sell cars without either a spare tire or a tire repair kit, yet they did just that. This is their mistake.
I took out XXXX loans in XXXX and XXXX to supplement my federal loans. The total was {$8100.00}. My Dad helped me out and paid the set payment fee for two years ; this was approximately {$80.00} a month split between the XXXX loans. The interest rate has constantly changes around XXXX depending on which loan. It has now been 10 years and I have barely made a dent on the loan. As of XXXX XXXX I was told I would have XXXX more months of repayments-14.5 more years at {$65.00} a month. I am not the best at math but with an interest rate at 4 % I would have {$230.00} in interest a year, {$19.00} a month and yet, when I have been paying {$100.00} a month ( recently ) only {$43.00} knocked off the balance. Where does the other {$57.00} go to? 29.6 % interest? As of XXXX XXXX they started combining the loan information onto XXXX statement. Then I noticed that my payment statement shows the {$100.00} payments but that only {$55.00} has been applied each month. I do n't know where the rest of the money is going to. When you call AES you get mysterious hang ups/long wait hold times over an hour, etc. A person is given the run around. my loan balance is {$5700.00} from {$8100.00} in 10 years of payments! That was {$7200.00} ( at least because multiple payments over the monthly payment due ) in that time period. If my calculations are correct, interest at 4 % on the principal balance to start would have been {$320.00} a year which of course decreases with payments. Even with that, that would be {$3200.00} in interest over 10 years meaning I have paid ( at least ) {$3900.00} off on my loan. Yet, according to my statement I have only paid off {$2300.00}. Please help, I am doing all I can to be responsible but this is disheartening on top of the federal loans I have to shoulder. Thank you!
My one month IRA CD at US bank matured X/XX/17. On maturity I had the money transferred to my Fidelity account, my financial mgr at Fidelity handled the transaction. After transfer, on XX/XX/XXXX I received a copy of the IRA Distribution Form and it stated that an administrative fee of {$30.00} has been deducted from my account. <P/>Today I called the bank to question this fee. The bank mgr told me that it is legal because it is in writing in small print on the US Bank notification form. I read the small print and in there only stated is a {$25.00} early withdrawal fee plus penalties. This does not pertain to me, I did not do an early withdrawal, my cd was transferred when matured. <P/>Therefore I think I should not be charged this fee.
Wells Fargo op ened a fake account that I did not authorize and then  one mon th later charged a fee for not having funds in it.
I have disputed the inaccuracies of the bankruptcy reflected on my credit reports. The bureaus and Lexis Nexis alike have stated in their responses that the entries are accurate and verified. This is wholly untrue. In my initial dispute to Lexis Nexis I advised them that the entry was inaccurate and they responded that it was indeed inaccurate. In my next letter to them ( see attached ), I requested the method of verification that was utilized to report this entry on my credit reports. I inquired of the source of the information and how did they verify the details were accurate. To no avail. Lexis Nexis replied ( see attached ) with a standard reply, yet did not address nor correct the inaccuracies that are reflected among all 3 bureaus.

In my most recent communication to them ( see attached ), I questioned them on their re-investigation method. I specifically inquired as to why their company was continuing to reflect 2 different reference numbers among the 3 bureaus for the same entry. These entries are inconsistent and differ in reporting on all 3 bureaus from the filing date ( 2 different filing dates are reporting amongst the bureaus ) ; 2 different reference numbers are reporting among the bureaus ; 3 different courts are reporting among the bureaus. These entries are not 100 % accurate and must be deleted!
found a debt for account XXXX on my credit report. I have never had an account with XXXX XXXX XXXX who they claim to represent. It could potentially be a family member with the same name, but it is not mine. I use XXXX for cell service, not XXXX XXXX XXXX.
I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX  has fixed the issue. See attached proof with account info.
I have continued to request a copy of any documentation bearing my signature, showing I have a legally binding contractual obligation to pay the alleged account. I continue to get a printout of a blank statement with my name and address on it. No contract bearing my signature proving I have a contract therefore I want this account removed from all credit agencies.
Logging on with XXXX XXXX XXXX 2014 it stated that access would be granted XXXX anytime I wanted to look. I looked multiple times and my credit score dropped out of sight at almost XXXX points. Now I do not know if someone has accessed my account or every time my profile received a hard or soft hit my FICO score dropped over this time period. Having a lower score has also increased my hard hits from financial companies while looking for a low re-fi interest and other personal loan request declined. Included are the reference numbers required. I have sent a dispute request to XXXX XXXX on line as requested and waited the number of business days requested with no reply. They encourage only XXXX request at a time or the time starts over again. Thank you for all your help in advance concerning this important matter. My sincere hope is to be restored after review. XXXX XXXX : XXXX XXXX, XXXX, XXXX, Trans Union and the FCFP.
XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. 

ERC must immediately delete this erroneous entry from all of my credit reports.
The address that this company has listed as the address where the services were used, is an address that I have never lived at. I have been disputing with the credit bureaus about this as well.
This PayDay Loan was paid multiple times with increased fees and interest. I refused to pay the last balance and will not pay it.