WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX reported a XXXX XXXX XXXX on my credit. I never signed nor did I authorize this company to put this car on my credit or in my name. I called to dispute the matter and was advised by XXXX, with XXXX XXXX XXXX XXXX that the car would not be removed from my name until the payments were brought current. I explained to her that the delinquent payments have nothing to do with me and it's not my responsibility to pay them. I then spoke with XXXX himself and he apologized for the inconvenience and agreed to remove the car from my name. He went on to explain that the car is only on the paperwork in their office which he agreed it shouldn't be. After reviewing my credit report this car is still showing under my name. I asked XXXX to correct this and she advised me I could go online and dispute this with the credit bureau 's myself. This was fraudulently done and I am asking for your assistance to have it corrected.
Received my Early Warning Report. Stated that on XX/XX/XXXX I attempted a transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. Not sure what the allegations are. I never made any such transactions of any kind that would lead to me compromising my bank account. I identity was compromised in early of part of XXXX. I was once homeless for 20 years and people befriended me. I strongly believe someone stole my identity and opened a bank account in my name. 

Due to these senseless acts i can no longer have a bank account. I currently get a XXXX check which i'm having a hard time receiving due to the fact that i'am in the XXXX XXXX XXXX. I don't have people i trust to have my check deposited into anyone account due to what happen to me in XXXX and XXXX. Someone has been applying for credit in my name. I just ask that help be the bridge in helping me clear my name out of XXXX XXXX XXXX
Hello, I 've discovered these charges I 've been billed for merchandise I never ordered or received. I do n't have an account with   XXXX   XXXX  , I have n't received anything from them, unauthorized charges. I ca n't call about this right now because my card is n't working with merchants and I ca n't buy a phone. I am out of the country. Can these errors can be corrected? I 'm sorry.
 XX/XX/XXXX    XXXX   XXXX   - {$300.00}  XX/XX/XXXX    XXXX   XXXX   - {$49.00}  XX/XX/XXXX    XXXX   XXXX   - {$170.00}  XX/XX/XXXX    XXXX   XXXX   - {$1500.00}  XX/XX/XXXX    XXXX   XXXX   - {$2000.00} XX/XX/XXXX    XXXX   XXXX   - {$580.00}  XX/XX/XXXX    XXXX   XXXX   - {$290.00}  XX/XX/XXXX    XXXX   XXXX   - {$1400.00}  XX/XX/XXXX   XXXX   XXXX   - {$2200.00} XX/XX/XXXX    XXXX   XXXX   - {$2400.00}  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   - {$2500.00} Thank you.
Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee.,
I was a Victim of Non Authorized Inquiries on my credit Amrent XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX XX/XX/2018 XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XX/XX/2018 XXXX   XXXX
I was currently applying for an unsecured credit card with Capital One Bank USA. Once approved for the card, some 3 of the same type of inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) showed up on my credit report that I didnt do. Please check into this issue so it doesnt affect my credit score.
I chose continued attempts though no attempts to contact me have recently been made. But this seemed the most fitting for my situation. I have recently been monitoring my credit on XXXX and I see this debt on my report. I was contacted about damages to the apartment I stayed in after I moved out from the manager. I made a payment and to my knowledge I paid the amount due from verbal conversation through the supervisor at the time, XXXX. So, I recall paying the full amount that was due. I believe it was paid online.
I submitted a short sale package with authorization on XXXX XXXX and I keep calling Seterus to get an update and they are stating the are XXXX business days behind in reviewing short sale documents and authorizations and there is nothing they can do. It is now 4 days away of being XXXX since I submitted the docs and I can not speak with anyone regarding this transaction.
On XX/XX/2018 I sent in a dispute letter to XXXX  asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
On XX/XX/XXXX there were two hard credit inquiries. 
One for XXXX XXXX One Another for a XXXX card. 
That was not me I lost my social and Id about a month ago I didnt put a freeze on my crediybecause I figured I would find them.
I still have an account showing on my credit report who was included in my bankruptcy. I still also received treated phone calls regarding this debt.
Dear Express Recovery, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2014. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
I opened up a XXXX XXXX rewards credit card. The credit card had about {$60.00} of XXXX rewards. The rewards have since vanished. This is not acceptable. I want my XXXX rewards back.
My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice.
I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.
You have refused to address the information that shows Bank of America acted in a retaliatory manner when it transferred our loan to XXXX in XXXX XXXX requiring us to make 2 mortgage payments in XX/XX/XXXX ( and taking weeks to resolve ). You have refused to address that Bank of America said we did n't have income to quality for refinancing under HARP. You have refused to address that Bank of America told us we were in default when we were never late on a payment. You have refused to address that Bank of America sent us private information on another borrower. You have refused to address that Bank of America falsely told us we could reapply under HARP when there is no evidence of that. The Ombudsman has never answered our challenge mailed XXXX XXXX XXXX in CFPB XXXX and CFPB XXXX. In short, you do not pay attention to detail and evidence to any extent.
Contacted the company numerous times. Last contact was XX/XX/19 @ XXXX XXXX. I was told they were " working " on it. This debt is not owed by me and i have no knowledge of it. I asked for an explanation of the debt and i was told it was " for an ambulance ". Well that doesn't exactly help. I asked for the original creditors information and i was not given anything.
In XX/XX/2014 the VA Child Support division conducted an investigation into acct # XXXX and determined that the item should be removed from my credit report as I was never behind in payments. Even though the CRA XXXX was in compliance with removing this item, Experian failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014.
I went to work on XX/XX/2017 like it was a normal day. Usually I have hectic mornings being I am a single mother of XXXX kids that I deal with in the mornings which can be very chaotic at times. When I got off at XXXX I did my usual and picked up all XXXX of my kids by the time I got home it was about XXXX, I started looking for my debit card and could not find it, because I switch purses a lot I tried to not think the worst so to give myself peace of mind I went online to confirm my balance because I had just got my income tax refund, also I had just went to jack in the box around XXXX so I was n't to concerned I was being real careful on how I spend it because I am dealing with foreclosure and that 's when my current nightmare began my balance went from XXXX $ to {$1000.00}. I immediately called my bank and of course it was not open so I canceled card thru the automated system. The next morning I did n't even go to work I went to one of the XXXX these people went to and waited all day for a officer that finally arrive by XXXX or so and took my statement. He stated the people went to so many XXXX most of them was from XXXX County. I have submitted my proof of Police report and Proof of me being at work and they are still not willing to refund my money. They said because these people used my pin and went to al the stores I have been to that there are no errors found, I have spoken to Agents and Supervisors and everyone is not willing to make this right. Can you please tell me what I need to do to get some justice thats a lot of money and I need to give that to my mortgage company I been unemployed since XX/XX/XXXX and started working for XXXX XX/XX/XXXX of this year and I did n't deserve this and now I see no hope in getting Any of my money back. This cant be legal.
I sent transunion a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : SEE ATTACH DOCUMENTS According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called TRANSUNION and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified TRANSUNION have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested.
On XX/XX/XXXX I mailed in an AES Credit Dispute form along with documentation showing that a double payment in XX/XX/XXXX had been made : payment 1 on XX/XX/XXXX and payment 2 on XX/XX/XXXX and the second XX/XX/XXXX payment was not counted as my XX/XX/XXXX payment. AES marked me as late. Due to marriage and name change, the bank returned my payments and AES no longer allows me to pay online. XX/XX/XXXX another payment made after no help from customer service. Account is up to date. Sought removal of negative marking on credit but with no positive assistance from AES customer service.
I was contacted by Equitable Acceptance through United States Postal Services. Equitable Acceptance informed me that they can help me get my loan forgiven in which it would cost {$150.00} to start the paper work. My monthly payments started with them on XX/XX/XXXX at that time I was not informed that I would be paying interest on my account repayment. I attempted to contact Equitable Acceptance on XX/XX/XXXX to inform them that my bank account information has been changed and to provide them with current account number. I could not contact them untilXX/XX/XXXXeven after leaving a voicemail they never followed up with me. I was told today, " That I could not request to have services cancelled because I signed an agreement which would eventually affect my credit because they reported it to the Credit Bureau. The representative told me I am obligated to pay them these fees when I feel there is no service being rendered. He told me, " That Student Advocates had consilated the loan and to contact them. '' I then contacted Student Advocates who informed me that yes they did reconsolidate my loan and for me to contact XXXX to verify that they indeed took over the loan. So I contacted XXXX next to follow up on my student loan. XXXX then reviewed my account and informed me that there had been no recent consolidations on my loan other than back in XX/XX/XXXX. I was also told by XXXX  " That the services Equitable Acceptance are charging me for are free of charge through fed loan. They told me to contact my bank with concerns to avoid future monthly charges out of my account. I paid Equitable Acceptance {$150.00} to start paperwork and {$49.00} a month of which {$19.00} of that payment is towards interest and I was not informed of that prior to signing any kind of agreement. I do not want them to affect my credit please help me find a solution. Equitable Acceptance told me that they could not email, scan or fax over a copy of the agreement I signed for me to review. I was told they can only mail it out. I am waiting to receive agreement so that I can forward it over to Consumer Complaints.
I have a checkin account with Santander Bank. The account was opened   XXXX   XXXX   XXXX    . I have had regular bi-weekly direct deposits from my employer   XXXX   XXXX   of $  XXXX  /pay  period into this account. Sometime in   XXXX   Santander froze my account without warning for " suspicious activity '' .The account has not been used for any unscrupulous activity.   They account has about {$500.00} in it now. I can not withdraw money for the account to pay my bills. the bank wants me to come into the branch to verify my identity. I told them that I live far away from the nearst branch. However they will not listen to any reason adn unfreeze my account. I am also waiting for my {$150.00} bonus to post.
Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the SunTrust account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the SunTrust Checking account, therefore zero reason not to pay other than SunTrust illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. SunTrust did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
We co-signed for our son 's loan with XXXX/navient. He is in XXXX school now. Navient is harassing, threatening judgements. The original loan was XXXX now it is XXXX. We had filed bankruptcy, which put the loan on deferment. They now will not work with us for a lower payment as my son is a full time XXXX student for another year. Please we need help as we told Navient we understand this debt needs re-paid as since XX/XX/XXXX We paid what we could, but Navient wasn't satisfied. We need answers. XXXX in interest is almost unbelievable.
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.
I am a 17 year Chase bank customer. 
OnXX/XX/XXXXat XXXX XXXX I attempted using a Chase ATM at their XXXX XXXX XXXX XXXX XXXX NY branch ( XXXX ). 

I attempted to deposit both checks and cash. 
1 check was {$660.00}, one was {$35.00} and the cash was XXXX ( XXXX XXXX XXXX ). 
The machine had a failure - the screen said " We 're sorry. there is a technical problem ... '' and printed a receipt saying, " This device has experienced a technical problem. '' ( I signed the 2 checks at the table by the ATM 's - so this should also be on camera. Unfortunately I stopped writing the bank account number on the back of my checks since with the ATM stamping its not really necessary ). 

As it was just before the branch opened, 1 Chase representative was there. He said that it was best to call the number on the receipt ( XXXX ) which I did. I gave them all of the information and they opened a claim XXXX One day i receive email and email from Chase to contact them which I did. They said they did n't find anything and that I should have the " makers '' write new checks and cancel the old ones ( and Chase would somehow compensate for the stop check fees ). Before reaching the makers, i got an email from Chase ( 1 day after speaking with a rep ) that my claim was closed - and the credit they issued me was being reversed - meaning I 'm out {$840.00}. 

I called back up - got transferred to a supervisor and started from scratch.. The supervisor seemed surprised that I had a receipt - and asked that I fax it and they would reopen the claim. I did that (XX/XX/XXXX ) and never heard from the - and got no email that they claim was reopened. I called back todayXX/XX/XXXXand they told me they did reopen but did n't find anything. 

I 'm at a loss - clearly something went wrong. I 've never made up such a claim before. They have cameras. They are refusing to do anything else. 

The maker of the largest check unfortunately did n't keep a record of their check number but generously wrote me a new check - but they are concerned what will happen if the original ( signed ) check is cashed. The remaining XXXX I 'm out right now.
have made XXXX 8 month payment on time and refused to removed potentially negative on a active account. XXXX I did a them modified my loan my of last years and for XXXX, XXXX and XXXX 2015 i did trial period payment of around XXXX each. My payment after trail period is XXXX on my credit report its shows XXXX 30 days pass due. XXXX shows 60 days pass due, XXXX shows 60 days pass due.That 's were the credit reporting company are showing me pass due .please make them correct this.
I was called on XX/XX/18at XXXX by Portfolio Recovery Associates operator XXXX attempting to collect the credit card debt. They have been advised to place a cease and desist on this debt and if needed to continue all further communications through correspondence. They did not follow that request and continued to call me every 2-3 days for various months. I reiterated the cease and desist at the above time and provided last 4 of social if required to authorize for their recordings.
I contacted Jefferson Capital Systems, after finding out a collection account was posted to my credit report. I researched the company and contacted them via the phone number found on the web. After waiting on the line for 15 minutes, I was transferred to XXXX XXXX This call was placed on XXXX/XXXX/2016 at XXXX. After verifying my personal information, and confirming the last XXXX digits of my social security number, I was advised that my account was owned by Jefferson Capital Systems but it was given to a company named XXXX XXXX XXXX to collect payment. The number I was given to call was XXXX. This number is invalid and it 's for a company called XXXX XXXX. Again, I was never notified of this debt, and called this morning to see what it was regarding. Also, I was never notified that it was an attempt to collect a debt nor informed that any information obtained will be used for that. Under the FDCPA ( Fair Debt Collection Practices Act ), and being a resident in New York State, it 's a requirement for any collection agency to make a party ascertain of the following : " This an attempt to collect a debt and any information obtained will be used for that purpose '', when calling or replying to any type of debt to any and every person I speak to. After looking further into the FDCPA, I was made aware that I can sue a debt collector in a State or Federal court within XXXX year from the date the law was violated, if this violation is not handled. Per the prerecorded message while I was on hold, " all calls were recorded ''. That being said, the recorded call can confirm I was never notified of the attempt to collect a debt. I would like my debt to be closed and removed from my credit report and not sold to another creditor. I would like a letter of deletion for my book keeping or I will contact both State and Federal agencies and take this violation to court under the rights of the FDCPA.