WillisBack/dataset-financial-user-claim huggingface dataset:
I have had numerous conversations with  XXXX  regarding my account #  XXXX   XXXX   XXXX   XXXX  - Which was an old  XXXX  account that was converted into  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
The credit bureaus XXXX, Experian, and XXXX are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
On XXXX/XXXX/XXXX, I noticed that one of my checks ( # XXXX ) had been debited from my account for the second time on XXXX/XXXX/XXXX. I called SunTrust fraud department to let them know and explain that the check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. They opened XXXX # XXXX. 

On XXXX/XXXX/XXXX, I noticed that another check ( # XXXX XXXX on a different account had been debited from my account for a second time on XXXX/XXXX/XXXX also. This check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. I called back to SunTrust and explained all the details above and that I needed for these checks to be returned either as duplicates or stale-dated items and my funds returned to my account immediately. They started a fraud claim XXXX. They informed me that I should have the funds back in my account with 2 business days. If more information was needed, they would contact me within 15 calendar days. 

Additionally, I went to the XXXX XXXX office on XXXX/XXXX/XXXX and was unable to resolve or get funds credited back to my account. Again, I requested the funds to be returned to my account and the request was denied. 

After being given wrong information from the various customer service personnel - being told that it does n't matter how old the checks are and that the funds had not previously cleared my account, I am not sure that they are aware of how to return checks or fix their error. 

I do not know what else I need to do to correct this problem. I feel that I should have the funds back in my account as I have proved to them that they were previously paid and can not understand why there is such a delay in correcting the bank 's error on my account. I am concerned that this may happen again in the future while they are taking their time in crediting my account back. I am trying to close these two accounts, but do not want to close them until my funds are returned.
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, XXXX  and Experian credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. 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.
This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s )  of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.
On XX/XX/XXXX I hit a deer on my way to work which cause severe damage to my vehicle which is a XX/XX/XXXX XXXX XXXX. My fianc and I Insurance company XXXX said the damage was severe and the vehicle was a total loss. The vehicle was fianace with GL Fianacial in XXXX Georgia for 26 months I purchased the vehicle on XX/XX/XXXX. I had only 7 months left on the contract. Due to the vehicle been total my balance would decrease due to been paid out 7 months earlier due to the vehicle been a total loss. XXXX issued a check to GL Financal for {$5200.00} on XX/XX/XXXX. Once the payment was sent I contacted GL Financial and spoke with Several managers two names I remember was a XXXX XXXX and XXXX and I spoke to XXXX XXXX supervisor about my account. I ask for documents on my account. I ask for to show if I owe any money after the payment the insurance company payment. XXXX and XXXX refused to give and documents and wanted me to just take there word. I explained to them it doesnt work like that. I needed proof. Unfortunately they still didnt provide me with any information. Back In XX/XX/XXXX of this year I pulled my credit file and I noticed GL was reporting I owe them XXXX. I contacted GL Fianacal Via telephone and spoke with XXXX XXXX XXXX about the incorrect information I was informed that it shouldnt be that amount and could I provide them a company of my credit report. I was instru to fax it or email it to them and they would take a look at it. I did as I was and I fax the credit report to them. I never heard back. I disputed the incorrect information with XXXX. Once I dispute the incorrect information with the credit bureaus I received a alert stated some information was updated on my credit report. The update was from GL Financial they had change the balance and the status of the account. I called GL Financial and never received a call back about error that was now been reported. I check my credit once again in XX/XX/XXXX of this year and noticed they amount was changed to a {$140.00} on one Credit report and {$340.00} on another credit and the account went from pay as agreed to charge off which is incorrect. How can the account be charged off if it was paid off by the insurance company and if there was a balance I was never notified. I never received one noticed from this company everything was word of mouth. By law the company is responsible for reporting accuracy information .GL Fianical is violating [ 15U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. G.L Financial is reporting inaccurate information which is damaging my credit and reputation. Please Help me.
Around XXXX 2014 BBVA Compass did a Mortgage loan for me. The loan officer was very helpful. The loan officer and I requested to do the mortgage payment 30 year fix with an amortization for 30 years. Before I started the refinance with BBVA Compass I had a construction loan with another bank that has a balloon payment as soon as the house was finished. When we went to closing to my surprise the mortgage payment was set up to be paid every 2 weeks just principal and interest. It was too late to back down since I was at the closing and had the balloon payment. My loan officer contacted her manager XXXX XXXX, XXXX XXXX stated that he will help to modify the loan later on. However I tried to get in contact with the loan officer around the middle of the year and she gave me XXXX XXXX 's phone number since the loan officer was on leave sick and never return to work to BBVA Compass. I tried to call her manager several times since but never heard from him. 
I have also tried calling several times to several phone numbers, leave messages and no one return my phone call. The most recent number that I called was XXXX I left a message explained my situation that I can not pay every two weeks since it is killing me and putting my family in a hardship. Currently my business is not doing very well as before. All I am asking is to modify to pay monthly payments not every two weeks.
I recently checked my credit report and found that I had an account in collections that I did not recognize. I looked into the company that the debt was owed to and did not recall ever doing business with them. After seeing this, I looked further into this company and came across multiple complaints about this company falsifying amounts owed to the company from customers. A vast amount of people had complaints about this because, unbeknown to their knowledge, they were having the accounts sent to collections, which in return, was affecting their credit score. I have never been contacted in anyway about this debt by neither the company or the debt collectors.
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.
Follow up to CFCB # XXXX and # XXXX. Also see XX/XX/XXXX complaints to CFCB. I am still waiting for Bank of America to take ownership of the management of the status of my closed loan. The status and amount of my loans remain incorrect with all XXXX of the credit reporting bureaus. See attached contradictory letters from Bank of America and XXXX XXXX. Bank of America approved my short sale in XX/XX/XXXX and they are the mortgage institution responsible for updating my credit report correctly but has not done so.
In 2015 I realized I was a victim of identity theft. For several years my " trusted '' accountant was using my credit cards and opening accounts in my name for her own financial gain. It has been difficult for me to clean up the mess since it occurred over a long period of time. The remaining accounts in question are with American Express. I am not claiming that all of these accounts were fraudulent. The fact of the matter is that there were so many accounts involved, and it happened so long ago, that I can not say with certainty which accounts are 100 % mine. I wrote American Express a letter requesting my signed contracts and monthly statements so I could investigate which accounts and transactions were mine. They currently show a status of " charged off ''. I'm self employed and rely on my credit to fund my business. This obviously hurts me. I want to pay what I owe and fix the rest so I can move on with my life. AMEX did not respond. I wrote them 3 more times and included the police report. They never responded. Just today they called me and offered to settle my balances for 65 %. They further claimed they had no record of my police report. I'm offended that they couldn't care less about my situation and only want to collect money.
This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX. 
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.
Re : Loan Re-modification letter and contract approved XX/XX/XXXX Subject : Significant questions regarding our loan re-modification contract My wife and I complied with the terms of the trial period modification and made all payments from XXXX thru XX/XX/2018. On XX/XX/XXXX, we received a loan modification agreement from Seterus to review and sign. 
I called the number that Seterus provided ( XXXX ) on XX/XX/XXXX to obtain answers to some significant questions that my wife and I have with this agreement. 
My call was answered by XXXX XXXX, an agent from the call center in North Carolina. XXXX was unable to answer my questions so I asked to speak to a loss mitigation representative. She told me that the loss mitigation representatives do not talk directly to customers. 
XXXX then told me that I needed to document my questions and fax them to the Correspondence Department for answers and that they normally take 30 days to respond. 
I advised XXXX that I must return the signed agreement by XX/XX/XXXX and that I need these questions answered prior to submitting a signed contract and could not wait for a response from the Correspondence Department. 
I then asked XXXX to escalate and that I wanted to speak to her supervisor/manager. XXXX stated that her supervisor, XXXX XXXX, was busy with another customer but would contact me the following day ( XX/XX/XXXX ). 
I documented my questions and faxed them to the Correspondence Department with the number she provided. I never received a call from XXXX XXXX on XX/XX/XXXX. 
My current maturity date is in twelve years and the agreement from Seterus is an extension for 40 years. I would like to know why we were not offered any other options other than this term extension.
I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
CHASE XXXX Account # XXXX IS PASSED THE SEVEN YEAR MARK ON MY CREDIT AND IS NEGATIVELY AFFECTING MY CREDIT SCORE! 
THIS ACCOUNT HAS BEEN CLOSED FOR OVER SEVEN PLUS YEARS AND IT NEEDS TO BE DELETED AS PER ( THE FCRA ) THIS IS CAUSING ME FINANCIAL HARM! 
PLEAE HAVE THIS DELETED FROM ALL THREE CREDIT AGENCIES. 

THANK YOU VERY MUCH
I went to the bank on XXXX/XXXX/16 to do a cash advance for XXXX from my Rushcard debit card and the teller never received a authorization number from the terminal or printout to give me my money. The teller stated it was not going through, it kept giving him a error message.But the withdrawal and fee was pending on my account till this afternoon on XXXX/XXXX/16. It cleared my account and now Rushcard Does not want to return my money when they were having system issues and doing a system maintenance update the same day. I am very unhappy, because it was not my problem and customer service is not able to see the error on their end.
I have Received a loan I applied To from Oportun. They have been harassing me and my family in regards to payment. I had Lost my job, my father passed away, my interest went up and it keeps going in even tho Im doing payments, I dont think Its fair that they are harrassimg me and my family when I am Trying to work things out. I am Being threatened that I will Go to jail or that they will sue me. I consider that as being illegal when I am Working with them in paying the loan.
Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However Transunion and XXXX I haven't been able to contact.Want it off my credit report.
I went to call my bank account information today at wells fargo XXXX/XXXX/2015 and they told me my account is closed. My local branch here in XXXX told me I had to open a new one now after a month of it being open it is now closed. I did n't receive anything in the mail I was kept in the dark. My original account was never closed like this until it was hacked into wells fargo told me, I do not appreciate being done like this and I need my social security money and now I will not be able to get it. I know the people who is behindthe wrongful closure of my complaint the XXXX manager XXXX and XXXX XXXX who falsely accused me of harassment. I will be suing wells fargo for the emotional distress they are causing me. Well why did n't they close my first account and now that I open a new one they close it out of the blue. There was no need for them to close my account after they told me to open a new one. I 'm glad I called about it before I purchased something or I would had been embarrassed. This is treating the consumer unfair and unjust. But I know what is really going on and who is behind this dirty deed.
I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX ... ..XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ ) that Experian review a bankruptcy on my credit report that does not belong to me. They did not accurately verify the information and only looked at the last four digits of the social security number. I initially received a 24 % interest rate on a car and my interest rate on my home is higher because of this. I have sent letters from the court and asked that they verify all information. They said they have reason to believe it belongs to me.
Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date XXXX