WillisBack/dataset-financial-user-claim huggingface dataset:
On Wednesday, XXXX XXXX, XXXX, I routinely checked my bank accounts for balance and cleared payments. At that time, I checked XXXX XXXX Bank - which showed a deposit of {$1100.00} ( see attached. ) I did not apply for, go online thinking about applying for, or call or write anyone in any attempt to get any payday or other loan. So I went directly to my bank, asked them how this company has access to deposit money in my account? The bank would only tell me that the transaction was authorized. So I closed that account with them and re-opened a new account. 

The lender is CashNet USA or similar name. The loan looks like it was deposited on XXXX/XXXX/XXXX - to XXXX in XXXX ( XXXX branch ) .I am a XXXX resident, and was born and raised here. After speaking with XXXX office last week, I was advised that currently this company does not have a license to 'lend money ' to anyone residing here. ( CashNet USA 's website also confirms this. 

I should say that from about XXXX XXXX through XXXX XXXX, I did in fact have a loan through CashNet, but paid it off in full and have documents from CashNet to prove it. 

So, someone went online and applied for a loan in my name. This current loan lists the account # XXXX which is the same account # on my payoff documents. 

What benefit is it to a criminal to apply for a payday loan under a someone else 's name when i 'm sure at some point they had to be told the funds would be deposited into the pre-existing bank account -- that the criminal could n't access? 

How did CashNet still have authorization to access my bank account in the first place - after i closed my account with them? 

How did CashNet issue a loan in XXXX when it does n't have a license to do so, and it 's a prohibited practice in XXXX? 

And now I 'm FORCED to take action, and lose time from work etc. 

I believe CashNet, through some layers of deception, deposited this money on purpose in hopes I 'd just and pay them. 

I did not sign anything, and whoever acted to make this current 'loan ' apparently relied on old data on me from my previous loan - ( in which i was living in XXXX with a XXXX licence and car registration ). In making this 'loan ', CashNet should have ( by law or just due dilligence ) bothered to verify who i am, current employer, address, phone, etc. on me including public records of me moving to XXXX, changing car title and registration, and my driver 's license. 

Instead it appears they choose to 'slam ' me with this loan, and now expect me to pay back at usuary rates. 

This is no different than XXXX XXXX standing on a street corner and one SHOVES money in your pocket while the other yells " Yeah, that 's {$1100.00} there - and now you owe us {$5000.00} in interest, fees, and principle. '' This has got to stop! The federal government exists to protect it 's citizens from XXXX like CashNet. Set a maximum " payback '' rate on all payday loans, AND make it a felony criminal offense to loan money and receive payback at ANY rate, or by any other terms that would cause a consumer to effectively pay higher than the maximum payback rate.
I HAVE CONTACTED THIS COMPANY SEVERAL TIMES AND ADVISED THEM THAT MY IDENTITY WAS STOLEN, AND THEY ARE HARASSING ME TO PAY THE BILL, I HAVE DISPUTED THIS WITH THE COMPANY SEVERAL TIMES.
Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.
Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.
Equifax has fail to provide me with proper information on disputed accounts. also, they have allow negative information such as amount past due, difference between charge offs and balance amounts to affect my credit score. Moreover, results state that accounts have been verify by original owners but accounts have been sold.
XX/XX/18 To : XXXX, XXXX XXXX XXXX XXXX XXXX Ditech LLC mortgage XXXX XXXX XXXX XXXX XXXX XXXX Fr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX or XXXX XXXX : Restoring account and credit I spoke with customer service over the past two year in attempt to rectify my account, however, this matter just seem to get worst. I been paying my mortgage every month however my statement reflect a balance of {$8100.00}, my question is where is my payment going for the past years, this is an ongoing problem, I have spoken to uncountable representatives along with written correspondences over the two years, with each making adjustments to account changing my monthly payment each time however after paying, this new month payment my account was still in teacher rears, my escrow payment is and was misapplied several times causing deficit to my account. Thirdly my account is presently in default, collection, modification ; my question is where is my payment going? Requested statements indicating my payment, made to Ditech however, never sent even with numerous requests. 
To date my account is still being mishandled causing misallocations of payment, confusion default, collections, bad credit to account. 
On XX/XX/18 spoke with XXXX, collection department, I requested a payment history, still I have not receive this information. 
This is not my first mortgage ; unfortunately this has been my worst experience I am calling on you to review, make the necessary adjustments, restore my account and my credit. 
Thank you
On XX/XX/19 I called Northern Hills Collections located at XXXX XXXX  XXXX XXXX, XXXX SD XXXX, and attempted to set up a monthly payment with XXXX and XXXX. Both ladies were extremely rude, understandably, and refused to send me further information about my case that they have. I requested documentation about my file with them, and they stated that they had already sent it, and didn't have to send another one unless I sent a self marked envelope to them. They refused to give me in any kind of writing what I was agreeing to pay them monthly. When I asked, several times, if they were obligated to do this, to give me an agreement, they simply refused to answer, yes or no. They refused to give me any form of update on my payments, saying that I could keep track of those records myself through my bank accounts.
Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Bank of America consumer since an year - the day that I first came to XXXX. Bank of America has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Bank of America customer - I 've been paying my Bank of America Secured Credit Card in full each month, as to not owe bank of America money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX
I have a 2019 XXXX XXXX. My monthly payments are {$520.00} a month. My car note is due the XXXX of every month. I made My first payment on Friday XX/XX/2019. My account was set up for auto pay at the time. My payment didnt post to the account until Tuesday XX/XX/2019. I had Called Santander Consumer USA to let them know I was paying a week early. If they can void or take off the auto pay so that way I didnt charged for a second time. I stressed It. They told me it would take a couple days for the payment to get posted to the account. I was Fine with that. On Monday XX/XX/XXXX I woke Up to a unauthorized transaction on my account after I just Had paid my first car note. So I was not understanding why this Charge was being made. I called them. I made Call after call because I was frustrated. I was Told that the auto pay was still on when it shouldnt have been. They wanted to see the transactions on my bank statement. I didnt have access to a fax machine and was told. I could Just email it over. Then I called Back again because the negative balance was still there. I had Explained to that what I was Told and they said they dont do email. Just fax. I was annoyed. To constantly have people tell you one thing then a complete other thing. On Tuesday XX/XX/XXXX they did a reversal. I was still upset because I had Money in my account that I was going to see on top of an over draft few that I had To pay. On Wednesday XX/XX/XXXX I woke Up to another unauthorized transaction. I had About {$86.00} in my account. Leaving me with a negative balance of {$430.00}. I was Furious. Ive had to keep calling to complain. I guess they retryed the payment for a second time. I had Again explained to them over and over again how I had Already made my first payment. How thWhy keep taking money from my account. Again they said they need me to send over a transaction I did. They told me theyd talk to their finance team. Ive called and called any chance I had to clear this unauthorized transaction. I was told they could see that I talked to someone who put in a referral or what it is called and said They had something pending on their end but I didnt. I checked my bank statement. During all this Im working with my bank and I cant do anything because I had to wait for them to retry the payment for a XXXX time. I cant close out the account. Not touch it. Ive had money taken out of my account I didnt have multiple times and Im being XXXX of over draft fees. I can complain over and over and over but I havent got anywhere. I was told I can file a complaint but I probably wont get any of my money back. When I told the representative I did not have a pending transaction she kept saying they needed to see a statement showing I did. But there was nothing. Im tired, Im exhausted I think I could understand if this was something on my end not so much. I just want to be reimbursed and the money they took from me. I have a list of all the transactions and everything else.
Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me.
Commonwealth Financial System, Incorporated XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, Equifax, Transunion. 

Account : Dispute/Refuse I am stunning that reviewing my credit report I found this absurd collection, damaging my credit. 
This collection agency is complete inaccurate and I do not owe any money for those services, for that reason I requesting to be removed from my credit. 
This claim is complete absurd and unacceptable. The incident happen several years ago when my son has an accident and ambulance services was utilize to transport him from XXXX XXXX GA to the Hospital at XXXX GA. 
At the time the XXXX XXXX XXXX shield insurance was provide and paid off. 
Several Months later we received a letter stating that the insurance information was necessary one more time. Witch we provide one more time. 
Over a year after that second incident a law firm stated that they will send the letter requesting the paid off or will be send to collections, which they did. 
After several attempt letters, phone call and on line chatting, they agree that it was an error on their part, and promise to remove from the Credit report. 
Now after about 6 years have being pass of the incident. The same company send a bill to collections one more time and that of course is affecting my credit. 
This is totally unacceptable. I am XXXX with more than XXXX years serving my country. 
My credit is review every time I have to obtain clearance for my employment. Actions like this due to negligence from they 're part my life and my family life is affecting. 
I am requesting your assistance to resolve this matter in a positive manner, and I demand from that account be removed from my credit report.
My disputed is with a company saying that I had a account with them in XXXX 2010 for a car loan in which I had never did any businesses with them no paper work to show I have disputed this with all XXXX credit reporting company with no help other then they say it right when I know that it is wrong the company that is reporting this is XXXX at XXXX XXXX XXXX XXXX, LA XXXX the account number they show is XXXX. I ask for your help in this matter. as I 'm not getting any from the company
Law enforcement Systems is reporting each charge as a separate account. They have negatively affected my credit report by XXXX points. They have charged my credit report over 10 times! I know they are doing this to have maximum negative effect but please have them correct this. Also, I am disputing the amount of each toll violation. They are charging over {$100.00} for each violation. They are currently being sued under a class-action law suit for charging excessive fees. I am in the process of buying a home and I do n't want this to prevent me from getting a good interest rate. I am willing to pay fines but not {$100.00} for each toll violation which the original toll fee was only $ XXXX {$10.00}. This is a private company setting these fines for a government agency. Please have them reduce the fines to a reasonable amount and have them remove all these charges. Again, I am willing to pay the fines but not {$1000.00}. These practices are illegal and absolutely immoral, i ca n't understand how no federal agency has n't investigated this company. Also, since they have violated the FDCPA, i want them to pay for each violation, which is {$1000.00} each. Thanks! 

-XXXX
Dear XXXX ; My name is XXXX, my address is XXXX XXXX, NY XXXX, and I became disable on XX/XX/XXXX. In XX/XX/XXXX I applied and submitted my discharge application for Total and XXXX with Nelnet for my student loan to be dismissed, and again in XX/XX/XXXX I submitted all the documents that are need for my student loans to be dismissed, and as of today Nelnet have not dismissed my student loans. In the mean time, my student loans are incurred interest and Nelnet has been issuing XXXX and XXXX every time. I have called them and been getting the run around from Nelnet representatives. My account number with Nelnet is XXXX, and XXXX. I have submitted the Discharge Application for Total and XXXX XXXX XXXX XXXX Department of Education, XXXX Servicing, XXXX, XXXX, XXXX, phone number is XXXX or XXXX. Nelnet email address is XXXX. Went I looked at my credit reports from all major credit reporting agencies it shows I have XXXX student loans when in fact is not true. Nelnet is reporting wrong information to all major credit reporting agencies, and is doing nothing about it to resolve the issues. It has put me in the position to seek help from Consumer Financial Protection Bureau to resolve my issues, since I am not getting any help from Nelnet. I can be reach at the address located in the beginning of my complaint letter, and you can also contact me at XXXX. I want to thank you in advance. 
Sincerely, XXXX
On XX/XX/XXXX I received a letter from EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.
This is now part XXXX to my initial dispute with Equifax. Not only did they unblock XXXX items on my credit report, not only are they not blocking XXXX total accounts that are a result of ID theft, not only are they showing my valid XXXX XXXX in perfect standing as Collection and Skip status but today to make matters worse on my latest report, they show XXXX XXXX listed XXXX with the same account number but XXXX is a {$30000.00} car loan. This case against them is to now remove the XXXX XXXX XXXX showing up as my car loan and then also resolve the initial XXXX XXXX that is showing as Collection and Skip as it is a valid account. I am uploading the original complaint showing that XXXX XXXX is a valid account and now part XXXX showing how they added XXXX XXXX again, same account number as an auto loan.
XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX
I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, XXXX and Experian credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.
I went to a CHASE ATM to withdraw money from my XXXX XXXX acct. Where I receive my Soc. Sec. Benefits. When I got to the step where the CHASE ATM would dispense my money the Atm had a " TECHNICAL DIFFICULTIES " message. So I grabbed my card and called to double check my card balance, and even though I received no money, the XXXX $ that I tried to withdrawl was deducted from my checking acct. A XXXX # from CHASE popped up and I called it, the lady said just go into any CHASE branch and they could fix it and get my money to me. Well 2 Different CHASE branch said they could do nothing bout it cause I Ai n't a CHASE Member. My XXXX XXXX card company said they have to do an investigation, and I might get my XXXX $ in 45-90 days. I am XXXX and it 's my only sorce of income. This happened XXXX XXXX 2017, I went to the CHASE branches on XX/XX/XXXX & XX/XX/XXXX. Spoke to them on XX/XX/XXXX,XX/XX/XXXX And XX/XX/XXXX.