WillisBack/dataset-financial-user-claim huggingface dataset:
Trident Asset Management / XXXX XXXX XXXX In reference to account # XXXX The above collection company has parked and re-aged information that is inconsistent with the original date of delinquency onto my credit report this is a willful violation of the Fair Credit Reporting Act. It is required by the FCRA to provide relevant and accurate documentation to the CRA 's. This is a malicious willful act that is defamatory to my reputation and has caused harm to me and my family. Re-aging debt is an illegal debt collection practice. The statue of limitation from the original date has passed. Texas is 4 years. They need to remove this information from all CRA 's.
Last year around XX/XX/XXXX I disputed a credit collection for a {$2400.00} debt that did not belong to me. The credit companies ended up removing that account. Now one year later around XX/XX/XXXX - XX/XX/XXXX this new company reported it back on my credit which I disputed and made a complaint through the XXXX in which I asked the company for proof it belonged to me since my info was stolen back in XX/XX/XXXX and and so many people can get your SSN and date of birth now days. The company need up removing it from my credit but as once again reported it again! They have damaged my credit points by adding and removing it so many times now. It's crazy how easy it is to add to someone's credit report. Not to mention whoever used my info for this hospital this company has broken the HIPPA by send certain info to me. 
I have posted the lettersame from the company.
I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them  starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.
FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
I have received, at a minimum, XXXX ( XXXX ) telephone calls from a company identified on my telephone " Caller ID '', as " ARS National Se '', from telephone number XXXX. They ask to speak to a " XXXX XXXX XXXX '', a name similar to mine. I have told them on at least three ( 3 ) occasions that they have the wrong number and the wrong person, and I have asked them to stop calling me. They still persist in calling. 

The calls recorded on my caller ID are as follows ; 1 ) XXXX/XXXX/2016 at XXXX 2 ) XXXX/XXXX/2016 at XXXX 3 ) XXXX/XXXX/2016 at XXXX 4 ) XXXX/XXXX/2016 at XXXX 5 ) XXXX/XXXX/2016 at XXXX Each time the caller stated that the conversation was being recorded. I told them on tape, if they did tape it, that I was not the person they named, and this was not his phone number, and to please take my number off their calling list. They have not complied. 

I am interested in pursuing taking actions against the person/organization responsible for all of the calls.
I wen to the Huntington Bank to open my first checking account as an adult and for reasons unknown I was denied for whatever reason, I did have one when I was XXXX but that was left in good standing, So I submitted a request to check systems and they had absolutely nothing on me. I have not had an account in at least XXXX years, I am a young women who has a very hard time and now am trying to get my life in order. IM engaged to the man I love and we want to become first time home buyers. However this is hard to do when I seem to have thing holding me back from opening a simple checking account. I honestly feel that I have been discriminated against and I feel that I should be given just a little credit as I really am trying to better not just my own life but my children 's as well.. 
I would be very grateful to any on that can help me with a little help. 
Thank You Sincerely, XXXX XXXX
XX/XX/2018 Phone Call to Me : Representative was patronizing, told me I provided her the incorrect answer when being honest about my financial shortcomings. Lectured me on how it was wrong to not pay my bills just because I don't have any money to do so.
Equifax mishandled my information in a grossly negligent way which has led to a breach that puts myself and hundreds of millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX. What Equifax has done so far is NOT ENOUGH and leaves myself and hundreds of millions of others at risk of severe financial harm.
I paid in full by XX/XX/XXXX of last year a bill that had gone to collections with Western Ctrl original creditor was XXXX XXXX XXXX XXXX. This suddenly appeared or updated on my credit XX/XX/XXXX as an open collections. I am VERY angry! I want this off NOW! I called Western Control and they have reported this debt as paid in full. I do n't know who took it upon themselves XXXX months AFTER debt paid in full to put this on my credit report. Its false reporting and needs to be taken off immediately!
JP Morgan cleared a XXXX for my federal tax return. The person had the same name but not the same information. Once I caught the error I notified JP Morgan Chase. They claimed to freeze the funds until they heard from the IRS but instead cleared it accepted payment and sent a paper check to the wrong guy.
My mortgage was bought by M & T Bank a few years ago. I had problems making payments for past few months. I reached out to M & T Bank. The options which they gave me only would cost me more money. In   XXXX   I applied for refinancing with another company. Every thing went well. On   XXXX   XXXX  , M & T Bank advised new lender that payoff for mortgage was {$70000.00}. This payment was for money due M & T Bank from   XXXX   through   XXXX  .
On  X/XX/17  a payment of {$1200.00} was cashed by M & T Bank. This payment was my late payment for month of   XXXX   XXXX  . M & T Bank received two payments for the month of   XXXX   XXXX   Both new lender and M & T told me that Payment of {$70000.00} was received by M & T  Bank on   XXXX   XXXX  
On   XXXX   I was informed by   XXXX   XXXX    of M & T Bank that M & T Bank had received payment of {$70000.00}. I asked about the payment of {$1200.00}. She said that money had been sent to us.
I was not satisfied with previous information and I called again M & T Bank. The last call l made I spoke to  XXXX . I asked him how to make a complaint. He took internal M & T Bank complaint. I called earlier this week and again   was given the runaround.
Never received a letter, bill, or phone call from listed original creditor: XXXX    XXXX   XXXX   XXXX   XXXX . Yet this morning  XXXX / XXXX /  XXXX     XXXX   XXXX   alreted me that a new account was placed on my report. I check it out and I have a new deb collection fro m Deville Mgmt.  it states original open date is  XXXX    XXXX  . I never conducted business or have ever heard of  XXXX    XXXX   XXXX    XXXX  in  XXXX    XXXX  . This is a fraudulent company, name, and there is no contact info for this original creditor. furthermore deville mgmt. did n't send correspondence neither, they just reported this on my credit and ruined it.
In XX/XX/2017 Becu called me saying there was suspicious activity on my card and needed to get into my account to look at it so they asked for my log in info, full name and debit card number and this was about a week prior to the incident. 

My grandmother sends me money on a regular basis to help me with funds since Im alone most of the time while my husband is gone all the time for work because he is XXXX. I had no idea that the funds in my account were from some other source. Iwas in shock and in tears to see my account overdrawn in the thousands and that someone logged possibly stole my information. I also saw in my account that someone logged in on XXXX XXXX and that is when i panicked and called in because I dont know anyone of that name nor would i log in to my bank on someone elses phone. The woman on the phone made me uncomfortable and made me feel as if it was all my fault. She would not provide me with details on how my account was compromised or what had happened. Ive been so scared about this situation because i have little to no money to repay at this time but i dont want my credit to be horribly affected by this especially at my age. 

On XX/XX/XXXX I received a letter from BECU stating that my account has been sent to Loan Loss Recovery for collections and they will take whatever actions necessary. It also states that i will incur additional collection costs, including but not limited to, court costs and attorney fees. They also stated that they may report information to the credit bureaus. 

My grandmother will also be trying to help me on the situation and taking legal action since me and my husband are stationed 3,000 miles away but i was told to report this to Consumer Financial Protection Beauru first.
Hi. Some person i knew got my social security number and birthdate and ran a hard credit check on my credit line. And try to apply for a XXXX XXXX card on my credit they live in XXXX Tennessee that i know they it was an old friend from 10 years ago trick me for my identity because im in the hospital and just had XXXX thank goodness i know how to report this please get back too me on this asap. Thank u.
On XXXX XXXX 2017, a data breach at Equifax caused personal information of several consumers including SSNs, addresses and names to be compromised. Equifax provided a website ( https : //www.equifaxsecurity2017.com ) to check if a particular consumer 's data was compromised in the breach. I input my information and the website told me that my information was possibly compromised. 

Equifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the data breach. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and waive any right to pursue judicial action against them.
I 'm filing this complaint because Transunion 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 ca n't 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
They call me at least 5x a day from a number you can not call back. They do not leave a message then call my job. I tell them I will call them back and they call my cell at least 3 more times. 
I call them back and tell them I have do not have the money to pay the amount they are asking for and am offering them an amount that I can send them and they say it is not good enough. 
They begin again. They told me they will call my cell phone and job daily until I pay them. 
I told them I am trying to file bankruptcy and they said until I do they will continue to call my job and cell phone daily until my bankruptcy is in court. 
They are very RUDE when they call and say I need to pay it all or nothing at all.
In my recent review of my credit report for XXXX/XXXX/16, I notice Central Financial Control service reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Central Financial Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX {$360.00} Acct # XXXX {$680.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated HIPPA law . I am able to send the documents as proof.
Transunion File # XXXX Date XX/XX/XXXX Address Reported on my credit file how does Transunion have me at 3 address in the same year of XX/XX/XXXX living XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and in error I was living in XXXX XXXX the whole year working for XXXX XXXX as an XXXX I see so many errors by Transunion as if the information is created and just put on some one credit report with any proof or documentation from Transunion
I have been informed, that there is a public recorded reported by ( United States Bankruptcy Court, XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent dispute, because this information in Not accurate. Per my last conversation with an Experian representative, was your claim to verify information at the United States Bankruptcy Court XXXX Of California. I have contacted the United States Bankruptcy Court XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Experian, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
I am submitting a complaint against Bank of America for a few reasons that are related to bounced check fees. First of all, I feel {$35.00} is an outrageously high fee for a bounced check, especially since the bank does not make it a practice to cover the checks in any way. Also, Rhode Island State law limits to {$25.00} the amount of money a merchant can charge a customer for a returned check. Therefore, I feel it is only fair that the banks be limited by the same statute. Specifically in this situation, I had written a check to a merchant who then only submitted it to his bank several weeks later. Because I was n't expecting it several weeks later, check # XXXX bounced on XXXX and again on XXXX. I take issue with the timing in which I was notified by electronic banking because both charges showed up on the same morning of XXXX. If the first attempt had been apparent on electronic banking in sequence, I would have been able to cover the amount and prevent the second bounced check from occurring. In other words, I find it strange that both attempts of cashing the check became evident at the same time on my electronic banking. It means the bank is being inconsistent in its timing of presenting information to customers via electronic banking, and this peculiar timing ends up making the bank a profit as a consequence. Moreover, these XXXX fees totaling {$70.00} resulted in a third check, # XXXX written for {$75.00}, to bounce as well. As it stands now, I have XXXX bank fees totaling {$100.00}, and my daughter may lose her spot in the after school program as a result of the check being insufficient. For one of the largest banks in the country that gambled with my hard-earned tax money, subsequently blundered, and then was bailed out, one hopes it would be more lenient in dealing with customers ' relatively minuscule mistakes. I sincerely hope that XXXX XXXX becomes President of the USA and breaks these " much bigger than before '' banks up into smaller businesses that know how to act more fiscally and socially responsible. As far as resolution to this matter, I am interested to know the names of the banks who submitted these checks through my account. For if it was Bank of America itself, then we have a serious conflict of interest. Next, I want to know when they were submitted to BOA exactly. For I want to be sure the bank did not predatorily wait for a moment when no funds were available in my account to put the checks through or time them sequentially in such a way to cause my overdraft. In addition, I 'd like for BOA to lower the maximum fee they charge for NSF transactions to {$25.00}. Lastly, I 'd really appreciate at least a partial return of the fees charged to my account since I 've been banking with BOA. Since {$35.00} - {$25.00} is equal to {$10.00}, I 'd appreciate {$10.00} for every fee over the years. Lastly, I 'd like a thank you for bailing it 's " too big to fail '' XXXX out of complete destruction and for not prosecuting anyone on its board for treason against all Americans back in 2008.
I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. 

Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. 
The total amount claimed to be charged off was XXXX. 

This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the account.
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTD ID Theft Report # XXXX
I recently received a letter in the mail from credit collection services.. I requested a debt validation from this alleged company. The company has never responded back to the compliant that cfpb sent but the company. I received a phone call on X/XX/2017 from this company threatening me because I would not validate a debt.
It started with a login issue and my inability to reset my password on the Nationstar Mortgage website since I did n't know the answer to a security question I did not setup. After a few long phone calls, I finally got access to my account after getting my password reset. When I logged in I was seeing someone else 's information. When I called Nationstar Mortgage back, they did n't seem alarmed at all. I had them reset my password again to prevent anyone else from getting into it. The concern I have is after they updated their systems if I can see someone else 's information, and right now I can still see it, how many other instances of this is occurring. Using the information after I logged in I obtained the email address of the person who 's mortgage I was able to see. I emailed him to let him know Nationstar had mixed up our accounts and I was able to see his account. I even sent him his account number as proof. It turns out we have the same name and very similar login IDs.
I recently received a packet from XXXX XXXX XXXX XXXX. I also received a letter from XXXX XXXX XXXX recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a XXXX XXXX and is receiving social security XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a XXXX XXXX. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was discharged in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the W-2 for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. Social Security have written a query for me showing my former employers. 
From XXXXXX/XX/XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with six digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for ten years.