WillisBack/dataset-financial-user-claim huggingface dataset:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
To CFO : NAVIENT Student Loan has fraudulently used my Social Security MORTMAIN VESSLE account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and NAVIENT SOFTED pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and NAVIENT still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to XXXX for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXX
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Portfolio Recovery, as shown on two reporting agencies XXXX and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 I sent a letter requesting evidence bearing my signature, I received no response from them and they did not mark it as disputed with the credit reporting agencies. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. Portfolio Recovery is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' Portfolio Recovery has most recently reported is { {$4300.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Portfolio Recovery may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Portfolio Recovery also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Portfolio Recovery also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX  is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
BB & T bank rearranged my transactions to maximize the amount in overdraft fees I would accrue ... Taking transactions that occured literally DAYS BEFORE the transaction that actually caused my overdraft ... I agree to one overdraft plus the amount that actually overdrafted my account ... .NOT the five overdrafts they are lying about and saying I owe them ... .This is predatory behavior and needs to stop
There is a name on my credit report that is not mine nor has it ever been mine. Not sure how long it 's been there because I just noticed it and I do n't check my credit report as regularly as I 'm sure I should. I attached a picture only one of those names is correct. Thanks in advance.
The compliant is with Citibank whom I never open an account with Citibank since  XXXX , and never in the past sent me any statement all this years until late  XXXX . All the sudden, Citibank contacted me that I owed them over 10 thousand dollars due to interests when Citibank buyout Costco 's American Express account back in  XXXX . Also, in my credit report for all the years, Citibank never reported I own it any money since  XXXX . In  XXXX , Citibank ruined my credit report by making fraudulent report to credit bureau that I owed them   XXXX    dollars past due. Late  XXXX , we asked Citibank to do investigation for potential ID theft. Citibank never provided investigation result, nor asked us for the proof. I have in procession the statement from American Express back in   XXXX   with   XXXX   balance after paid off the  XXXX  before I called American Express to close the account, and the Costco closing statement in  XXXX  showing I have a credit of   XXXX   XXXX  .
Since I opened the " BankAmeriCard '' account # XXXX XXXX XXXX XXXX in XX/XX/2017 I have not received a paper monthly credit card statement by MAIL as I initially requested when I opened the account. 
I have visited my local Post Office on 3-separate occasions and they have informed me that they DO NOT receive any return items from Bank of America. 
Every month I carefully monitor my account to be certain that charges are valid and there is no suspicious activity. There has been no suspicious activity. 
But each and every month since XX/XX/2017, I have NOT received a paper statement from Bank of America as was initially requested both online and by telphone to Bank of America representatives. 
As a customer/consumer, it is impossible to understand how such a minor request can not be provided and it is especially disheartening when each and every month I DO receive all advertisements offering me loans and checking accounts and other BOA products, yet I can not get a paper copy of my monthly credit card statement causing me to have to print it on line.
I am a victim of identity theft. The inquiries, which appears on my credit report from General Motors Financial Company dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

I have contacted these companies individually and have not received any reply back.
Thomas King Associates a debt collector has been calling very often to the point of harassment. I 've filed bankruptcy on XXXX XXXX, 2015. By now as a debt collector as of XXXX XXXX, 2015 there is no way they are unaware that I am in bankruptcy as notice has been posted by the Bankruptcy court ... and they still continue to call. 

On top of this, their calls are misleading and deceptive. They call with an automated dialer to my cellphone ( which is illegal ). They say they are doing an asset and liability search and my number has come up in their records, with a message to call another phone number, then they say " Failure to respond will be documented as non-cooperative '', which is an obvious and illegal intimidation tactic. I have attached a recorded copy of this message. 

I 'm creating this complaint so that you can take action against them! Each phone call past my filed bankruptcy date is a {$1000.00} statutory federal FDCPA violation. My lawyer will be following up. 

They have been constantly calling for weeks! I 'm only reporting the ones since my bankruptcy filing. 

To date the calls since my filed bankruptcy, came in on these dates/times ( central time ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015
XXXX falsely accused us of not returning our phones when we did. Now Afni is attempting to collect the debt. I have not received anything from Afni or know who Afni is. I've disputed this debt on my credit report however is remained without any documentation with XXXX, XXXX & XXXX.
On  XXXX , I submitted a complaint to the CFPB ( complaint #  XXXX  ) regarding a debt that I paid in full with  Midland. Midland resp onded, however, they are still falsely and negatively reporting this debt and still calling my phone to collect on this paid debt. The debt was PAID IN FULL ( not settled ) for {$600.00} on  XXXX . I have reattached my original CFPB complaint and bank statement.     To date , Midland is  still falsely reporting on all  XXXX  credit bureaus, which has negatively impacted my credit scores. With  XXXX , they are STILL reporting a {$600.00} unpaid open balance owed. With  XXXX , they are STILL reporting a {$55.00} unpaid open balance owed. I also received an alert today that for  XXXX , they changed the balance owed to {$0.00}, but they are marking it as a SETTLED FOR LESS THAN debt when it was PAID IN FULL.     Furthermore, they have NOT dismissed or vacated the judgement with the local courts. The debt was paid -- I was never served papers. I was told by their debt  collectors  and  XXXX   XXXX  of  XXXX   XXXX   XXXX  that they hired that this would be taken care of and that it would be dismissed and not report on the credit bureaus.     I used to work as a debt collector with  XXXX   XXXX  an d Midland 's parent company Encore Capital Group  and know for a fact that they still call out and use robo-dialers and/or call numbers even after told not to - even after the CFPB came in and sued them back in or around   XXXX  . What they do is use their out of country offices to skirt the robo-dial laws in the US. The company 's prior response to my original claim denied this -- but I have saved evidence and statements from prior employees that can back up what I am saying.     What they are doing is violating the FDCPA and they need to be held accountable. I have paid my debt in full MONTHS ago. I have contacted an attorney.
During the housing collapse where consumers were getting encouraged to take out illegal loans, I purchased a home with a countrywide mortgage. It was a first and second mortgage. 

Bank of america strategically sold my first when it was announced that they would have to modify the existing loans. That left me unable to combine a 1st and a 2nd mortgage. My second mortgage was XXXX at 8.825 %. I have been paying for 10 years and the principal is now {$38000.00} while never missing a payment. bank of America has received {$33000.00} in interest. I need help getting a new interest rate or modify this loan
While trying to obtain a reverse mortgage we were required to have and pay for an fha appraisal from a company that aag selects. We did and all was fine until aag informed us the appraisal that they ordered from an fha appraiser was not acceptable as it was too high because we live in a manufactured home. We do not. Our broker and I tried to remedy this to no avail. I even sent them fha regulations. I spoke with the fha. The bottom line-aag wants to lower the appraisal to loan less to the elderly so when we die, they can sell our home and make even more money No wonder reverse mortgages have such a bad reputation I do have all of this documented in writing
I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX.
I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately.
I asked capital one, via telephone to have my account XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX closed on XX/XX/17. They have not provided any documentation that they did so, and they flagged the account as restricted. They will not give me permission to record the conversations but they do. The law needs to be changed to require a email response to the request and there response, as it is now it only protects the powerful at the expense of the consumer. The internet providers are worse they lie and abuse customers with impunity. 
How do I get capital one to close my account?
Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. 

I already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. 

Unbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. 

I was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing.
Hi There, I 've received 3 letters from a " Credit Protection Association L.P. '' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they 're collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.
I had a vehicle loan with Chase Auto finance. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.
I received a notice of investigation results from TransUnion on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with TransUnion since XX/XX/2018. In the enclosed docs, you will find a report from the TransUnion website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, TransUnion states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that TransUnion and XXXX also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.
I noticed that a debt for  XXXX  was being reported on my credit report. I disputed with   XXXX   and Transunion as I had no knowledge of this debt and it appeared to an unverified debt.  XXXX  realized that debt was not verified and removed. However Transunion continues to report despite my various request of an reinvestigation demanding that they provide me proof of physical verification. Not only have they not provided me physical verification but they have failed to notify me of the results of the collection.
I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.
I contacted Equifax and informed them the following is not correct. The information is still reporting incorrectly. 
I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that I have no knowledge of the origin. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following accounts are NOT my accounts, please remove from my report XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX I requested a block and cease from reporting and they failed to do so : Please block and cease reporting the following accounts and inquiries. The report is not accurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
I have a XXXX XXXX XXXX credit card issued by Chase Bank. There is a {$95.00} annual fee for this card. Chase provides a year-end summary that can be downloaded from their website. This summary shows all charges by month and by category. But this summary does not include the annual fee.
I financed an auto with Wells Fargo Dealer Services XX/XX/2018 The amount financed was XXXX. ( first payment due XX/XX/2018 ) I made four payments on this loan ( XXXX- XXXX payment, XXXX- XXXX payment - XX/XX/2018-XXXX  payment & XX/XX/2018 -XXXX payment. ( loan showed paid until XXXX XXXX as of this payment XXXX ) The vehicle was totaled by insurance with an accident date of XX/XX/2018 ( insurance deemed total loss in XXXX XXXX Insurance sent a payoff check for {$10000.00} ( their screen reflects XXXX Insurance settlement but check was indeed made out for XXXX ). I was advised on XXXX by one of their customer service agents I would be mailed a XXXX over payment check. On XXXX XXXX I received a check for XXXX. I called Wells Fargo and was told that was all they owed me and did not give a good explanation as to why they are keeping the over payment that was paid to them above the amount financed. If you add the insurance payoff check and the XXXX in payments I made- the total paid to Wells Fargo dealer services was XXXX - amount financed XXXX = XXXX - XXXX check mailed to me = XXXX is left owed to me as far as my calculations show. I would like to know why they can keep this overpayment. In the ledger of my online account it even shows " payoff with overage XXXX '' unapplied adjustment -XXXX. They also show a Late charge adjustment which I am not sure why as There was never a late payment made on the account only future payments made.
I HAVE A CARD WITH XXXX XXXX CARD BY XXXX XXXX XXXX AND HAD ACCOUNT ASSURE IN XXXX TRIED TO FILE CLIAM BUT WAS CLOSED BY THE BANK W/O KNOWLEDGE TO CONOMER.
i went to sams club to make a purchase while checking out there system went down my card was charged and sams club refused to give me what i paid for i refused to leave and called the police bc i seen my card charged then the manager gave me a letter i called sams credit and disputed and sent them the letter and there refusing to take out this charge that i never recieved my goods for
A MONEY TRANSFER WAS AUTOMATICALLY PUT ON HOLD AND A REFUND GIVEN WITH NO EXPLANATION AS TO WHY. I ANSWERED QUESTIONS AND IT WAS TO NO AVAIL WITH WESTERN UNION. I FEEL AS IF I AM BEING DISCRIMINATED AGAINST DUE TO MY AGE AND AM BEING CATEGORIZED WITH OTHER WOMEN AND THAT IS PLAIN WRONG.. 
AS THIS HAPPENED BEFORE. THEY ARE VERY VAGUE SO HOW CAN I CORRECT PROBLEM.
This original credit card " Bank of America '' debt ( account # XXXX ) in the amount of or close to {$28000.00} which has had no activity, payments and or correspondence in more than ( 6 ) years, has more than exceeded the legal California time statue to legally collect. I would like a letter from the current and or previous collection agencies ( BELOW ) stating for on " my behalf '' that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES NOW AND OR IN THE FUTURE ON THIS BANK OF AMERICA CREDIT CARD IN THE AMOUNT OF OR CLOSE TO {$28000.00}. Also, would appreciate if they could also, to inform and or remove this negative mark if possible from The XXXX Credit Bureau and or other credit agencies ASAP. 

BELOW ARE THE PREVIOUS AND OR CURRENT COLLECTION AGENCIES PERTAINING TO THIS Bank Of America Debt. 

1. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXPhone : ( XXXX ) XXXX. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX : ( XXXX ) XXXX
I went to the XXXX and he told me to put it through care credit, I was paying the XXXX every month but after a few month I noticed the bill was not going down. 
they charged me XXXX in intrest the first month, I contacted theXXXX in florida and told them what a rip off, to date after 2 years of paying my bill was XXXX and is now XXXX thy charge me XXXX every month. this month I had a medical emergency and could not pay them, well the phone calls dont stop and they would not work with me. I told them I would catch up this month, but they did not want to hear that. 
I am XXXX years old and I and harrased every day by them, I am not going to send them any more money I feel like I am draged through the mud with these people they are hartless and monsters. 
thank you, XXXX XXXXXXXXXXXX.
Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed