WillisBack/dataset-financial-user-claim huggingface dataset:
On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations
On XXXX/XXXX/XXXX, I received a debt collection notice for {$1300.00}. Because I was clueless about the specifics of this debt, I immediately called the Credit Collection Services company and was instructed by a supervisor to submit a form to them via their website platform disputing the validity of this debt. This was on XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have still not received the information I requested and it has been more than 30 days after my initial letter disputing the validity of this debt. 

On XXXX/XXXX/XXXX, I received another letter dated XXXX/XXXX/XXXX from the Credit Collection Services. I immediately called them and informed them that I submitted to them a request for validation and more information about the specifics of this debt. The representative did not address my concerns. I want to know what exactly this debt is for in very specific detail. I have every right to request this very important information. 

This is not the first time this company has failed to address my concerns after me making every effort to reach out to them. I would like for this company to address my request for more information and or to cease their collection efforts.
I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service. 

I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit. 

I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}. 

I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''. 

I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}. 

After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back. 

Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation. 

As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}! 

Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue.
The XXXX XXXX XXXXXXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XX/XX/XXXXdue to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XX/XX/XXXXto let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately
I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do
I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX  credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 )  reporting bureaus XXXX  ; XXXX XXXX and XXXX  by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
I lived at a location XXXX XXXX XXXX and moved the place i was renting from kept my security deposit because i broke my lease a month early. I checked my credit a few months ago and seen i owed a debt of {$680.00} for rent and I called to clear it up and got no response on the issue. So I recently checked my credit report on XX/XX/18 and seen that i still owe this amount when i was never notified by the landlord or his staff i owed any remaining rent balance or a judgement from the court. The original creditor is XXXX XXXX where i rented from. The collection agency is XXXX XXXX XXXX i contacted both yesterday and got no feed back.
I have a Creditor on my credit reports for the amount of {$1200.00} that I can not see that it can be mine, I have contacted the Company reporting the debt and they do not have any of my personal information on file. I contacted the company that they say I owe ( XXXX XXXX XXXX XXXX ) and they assured me they can not see anywhere that I owe them money. I contacted XXXX  XXXX XXXX XXXX and gave them all my personal information to clear it up and ask if I am responsible. They told me they do not have me in their system at all.. 
. {$1200.00} with a date of XX/XX/2017 Thank you for your consideration in this matter,
I have a USAA credit card. I received an offer from USAA for 0 % interest on new purchases until XXXX/XXXX/XXXX. I accepted the offer on XXXX/XXXX/XXXX. I had no previous balance forward on the card, and I paid the entire XXXX/XXXX/XXXX statement in full. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. Twice I contacted USAA to receive credit for the erroneous interest charges. Both times, the representative agreed that I should not have been charged interest. Both times, I was put on hold off and on for approximately 30 minutes. Neither time was the agent able to issue the credit. The second time I called, I was told that a ticket was opened with the IT department, and that it would be resolved. I still have not received the credit. This is ridiculous. I am no longer charging to this card because obviously they ca n't figure it out. USAA owes me {$6.00}, plus an hour of my life. & lt ; This account was recently converted to a XXXX account, which is the number I am providing. The interest charges were on the previous XXXX
This cell phone debt is not mine. This debt originated with XXXX who sold it to XXXX XXXX XXXX ( who deleted the debt ), XXXX bought it back, and sold it to Convergent Outsourcing who said that they had no information on the debt at all to even collect. <P/>PLEASE SEE COMPLAINTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent As a consumer, I should not have to jump through loopholes to see who owns the debt and try to track creditors down. <P/>Debt not validated with any original documentation to include my signatures.
My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.
Kohl 's XXXX XXXX started calling my cell phone : XXXX on XX/XX/XXXX. 
I saw the first call, went online and noticed I missed my bill due on XX/XX/XXXX. My new payment due was {$150.00} and I scheduled an online payment for XX/XX/XXXX for the entire {$150.00}. 
I received 2 more calls after that payment was scheduled on XX/XX/XXXX at XXXX and XXXX. 
I received another call from Kohl 's on XX/XX/XXXX at XXXX. I went online again and made another payment, this time for just {$19.00} since I had already setup the total due to be made. 
I received a voicemail that night around XXXX. 
With 2 payments now pending in the system for more than my total due, I have received another 2 voicemails and 2 calls each on XX/XX/XXXX and XX/XX/XXXX. 

This must be a FDCPA violation since payment has been made and still I am receiving calls from a debt collector.
On XXXX XXXX 2016 my checking account with Santander Bank had a XXXX cent deposit from XXXX. A few days later, XXXX withdrew {$38.00} from my account using a fraudulent draft check. I went to the bank and filed a complaint and signed an affadavit. After repeated calls to customer service I was told to go back to the bank and file an adjustment claim, which I did. Now it is XXXX and I still have not had the money put back in my account.
Got a letter from Bank of America saying they will no longer accept personal checks when paying my mortgage. They claim that they have " received multiple checks over the past months that have been returned by my financial institution due to insufficient funds. '' I never had my check bounced. I feel that they are just harrassing me. I am not late in my mortgage payments. But they do call frequently to ask me when I will mail the payment. Now I get a letter that I have to pay by money order or cashier 's check.
I sent a LEGAL Notarized affidavit to XXXX, Equifax , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For XXXX, Equifax , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from XXXX, Equifax , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX XXXX. XXXX asking them to validate an item they have listed on my credit report. It was received and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. After waiting 30 days for a response, I received none. On XX/XX/XXXX I contacted the company to inquire about my request. The person who answered the phone was very rude and refused to work with me. I then filed a complaint with the Better Business Bureau ( Complaint ID XXXX ). In response to my complaint, on XX/XX/XXXX the company wrote : " The itemized statement was mailed to you today. Thank you, XXXX XXXX. '' This company has been reporting invalidated information to the credit bureau, and may also be in violation of HIPAA, and their nonchalant attitude about it is rather disturbing.
XX/XX/XXXX I received an email that a person that isnt me had been added to my XXXX account. Within 3 minutes later I had 5 {$100.00} charges made on that account. 

I called Chase on the number on the back of my card within minutes and explained the situation. 

The charges were removed and the card cancelled, then a replacement was sent. Problem solved, or so I thought. 

I checked my statement a month later and the charges were added back to my account. 

Despite dozens of phone calls and visits to the branch showing printouts of the account emails I received Chase has not resolved this in any way. The disputes contact I have no longer answers or returns calls, and Im still stuck with {$500.00} in fraudulent charges on my credit card statement. 

The account that was hacked had not be used by me in weeks, and never once in the lifetime of the account had I EVER purchased any sort of add-on or made any purchase at all. I immediately canceled the account with XXXX so as not to risk anything further. 

Despite producing the evidence to Chase and calling them within minutes to file the dispute I am now almost 4 months later STILL trying to get my money back that was stolen from me.
I was offered back in XXXX a 4.0 % rate refinace by Bank of America, I got the paperwork to signed and the rate was fine at 4.0 % ; after a few weeks they raise the rate to XXXX without telling me. I called them and they said they had made a mistake and now rate had change to XXXX and there was nothing they can do, and that if wanted the loan it was going to be XXXX. I do not think that is correctm
I received a coupon offering {$200.00} if I opened a checking account at Fifth Third bank. During the account opening, the banker informed me about services available like a complimentary savings and credit monitoring. I did not inquire about the savings because I did not have a need, but inquired about the credit monitoring. She then explained there was a fee and I informed her I was not interested. At the end of the process she provided me with a paper to sign acknowledging I was opening a savings account. I asked if this was required and informed her I did not want a savings as I did not have a need. She stated I did not need to open the savings and I told her I did not want one. A couple days later I called customer service as I was not able to log in online. After getting help from the representative I was able to log in. To my amazement it showed a closed savings account. I asked the representative if the account was ever opened and she kept stating it had been closed. The second or third time I informed the representative I knew it was now closed, and asked had it been opened in the past. She informed me it had been opened the same day I opened my checking and then closed the next day. This makes me very upset for several reasons : a financial institution account was opened without my permission, when I asked the banker I was lied to and told it would not be opened and it was, and when I asked the customer service representative days later ... it took me multiple attempts to get an honest answer that the account was indeed opened and then closed.
In XX/XX/2006 my ( now ex- ) husband and I refinanced our home. This included a XXXX mortgage/home equity line of credit. As indicated on our closing documents, this was to have a variable interest rate. The mortgage was sold XXXX times. When the XXXX lien holder took over, we were informed that we had unpaid interest of {$14000.00}. We did not understand how we could have that much interest unpaid on a 6 year loan, as we were current on the loan when the third company took over. In my investigating into this matter, I learned that the second lien holder does charge interest. We have no control over who our mortgage gets sold to ( we 're now on our XXXX lien holder ), but we do expect the interest to be applied like it 's supposed to be.
I just learned today from a XXXX XXXX XXXX XXXX that there is a XX/XX/XXXX law stating that credit card companies have to give you the option of freezing your account at the current interest rate before raising it. Wells Fargo did not do that for me in XX/XX/XXXX, instead just arbitrarily raising my rate from about 12 % to 30 %, where it has been since. Had they given me that option, I would have frozen the account and it would be paid off today as it has a limit of {$2500.00}. When I left a message for my banker about this, I got no response. 

I recently got fired because I XXXX in the work place and I can not pay my rent, let alone a credit card bill. I need help. The fee for the " non-profit '' counseling center Wells Fargo sent me to is higher each month than the 30 % interest!
on XXXX XXXX, 2016 I opened up and account online with Chase. After I submitted my online application I received an email telling me that I was approved and I have to verify XXXX small deposits that they made into my current bank. Two days later, I verified the trial deposits. At that time, I was giving a checking account number and a savings account number and also received a visa check card in the mail. A few days later, I go online to logon to see if the transfer from my current bank of {$50.00} had been posted to my Chase account, since it cleared my current bank and Chase required a minimum of {$25.00} each to fund the account. When I tried to logon, I was given a message to call an XXXX number because I have been denied access. At that time, I was told my accounts were shut down and I would not give me any more information. I call Chase and ask them about my refund and they informed me that it would be deposited back into my account. On XXXX XXXX, and after not receiving my {$50.00} into my account, I called them and was told they were not allowed to give me any information and I will be getting him a check in the mail but that 's up to the discretion of Chase on how I will get refunded. This is completely unacceptable how they pick and choose what customers they want to. If they did not want me in the first place, they should not have taken my {$50.00} and sent me a check card or given me too account numbers and a direct deposit form to give to my employer for payroll. These improper business part says by Chase is discriminatory. Their customer service agents wanted me off the phone as fast as possible and refused to answer any questions.
Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct.
I had a late fee which carried over to the next month, despite the loan amount being paid. My credit report now shows not only the late fee as non-payment for the loan, but the entire loan amount shows on my report as delinquent. 

I am in the middle of buying a home. This one action has had a detrimental impact on my ability to provide a home for my family. 

This company is NOT a pay day loan lender.