WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a letter from this company demanding payment. I have never done business with this company and they have not provided me with a service and nor have I agreed to pay them for services or goods
The last transaction on this card is greater than 7 years old. It is 7 years 9 months however it is still being reported on my credit which is, against the FCRA.
I received a letter from AIC- Allied International Credit Corp. , informing me that I owe to XXXX current amount {$300.00}. I contacted XXXX  and received a confirmation email with {$00.00} balance. ( email from XXXX attached ) Please review my record /supporting document attached, and make sure the fraudulent amount will not be reflected under my credit report.
My loan was sold/transferred to a different servicer and now every year there is a increasing amount of shortage in my escrow. For the pas 2 years it was short {$1700.00} plus the first year and now they are telling my it 's short {$2600.00}. I every month, i have inquired several times about tis and have been brushed off, hung up on, and told that they could not provide the information I am requestion. My principal is only gettitng {$94.00} dollars paid towards it and almost {$400.00} toward interest. How is thios possible, when will i every pay off this note?
In  XXXX  I had a fraudulent account appear on my credit from a company named   XXXX   XXXX   XXXX  . I immediately contacted the police and filed an Identity Theft report.  XXXX  Police Report #  XXXX  The account was removed from all  XXXX  bureaus, however the count was reinserted to my Equifax file in  XXXX   XXXX . I was told by  XXXX   ( Equifax Rep ) th at i needed to file a new police report because Equifax only keeps their information for 2 years and that  XXXX   XXXX  issued the account on my credit under a new account number. I filed a new police report and the account was removed.  XXXX  Police Report #  XXXX  Today the account has reappeared on my Equifax credit report for  a 3rd tim e and issued again under a totally different account number than the p revious two tim es!!! This is so frustrating Equifax knows the account is fraudulent and it should be blocked from appearing on my credit. I am also going to file a complaint with the Department of Justice because   XXXX   XXXX   XXXX   XXXX  is playing games .... they keep changing the account number and the month and year the account was supposedly opened in order to place it on my credit. I disputed the account online with Equifax and called once i got on my lunch break and the lady told me i never should have disputed it online if i was going to call in ...  XXXX  she said it is nothing she can do at this time.     Equifax file number  XXXX
About three years ago, in order to help my daughter refinance her car loan, I opened a Certificate of Deposit ( CD ) Account with USAA Federal Savings Bank ( USAA ) routing # XXXX. Since opening the CD there had not been any particular noteworthy events concerning the CD. However, during the past weekend I noted unusual activity for the CD in terms of interest payments. On XXXX XXXX, 2016, I contacted USAA to inquire about interest payments being credited and then simultaneously debited to my CD. Specifically, without written or verbal explanation the crediting and then debiting activity occurred on the dates of XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

When I contacted USAA, I was asked by the USAA representative if I had recently opened any new USAA accounts and had not provided a signature card to which I replied no to both questions. While on the phone, the USAA representative asked me to hold several times while she checked on my account status. After this had gone on for about 25 minutes, it appeared there was not going to be a timely response to my inquiry ; I asked the USAA representative if it might be possible for her to call me back. I noted that I was expecting an important call from the U.S. Department of Veterans Affairs that I could not miss. Both the representative and supervisor seemed indifferent to the fact I was a XXXX Veteran and needed to communicate to the Department of Veterans Affairs that several of my prescriptions needed to be refilled promptly. 

The USAA representative stated that she would not be able to call me back and that I must continue to hold on the phone until she had resolved the issue with my CD account. I then asked to speak with a supervisor and stayed on the line for another 10 minutes waiting until the connection with USAA was lost. Thinking that someone would call me back ( the USAA representative had already asked for my identifying information and thus had access to all my contact phone numbers ), I waited about 30 minutes before calling USAA customer service and asked to speak with a supervisor. I was told by the supervisor, that USAA implemented a policy about three ( 3 ) years ago whereby it does not call customers back to provide information concerning their respective accounts. 

At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.
I initially borrowed {$600.00} from the company and was told that the initial payment would be {$99.00}. A month later after taking the {$99.00} out of my bank account, another {$200.00} was debited from my account. I could not afford this rate of repayment or I would not have taken out the loan. This payment of {$99.00} was to be debited from my bank account on a monthly basis, however, every couple of weeks, XXXX XXXX would attempt to take between {$99.00} and {$200.00} from my account and would try the debit multiple times. Contacted someone who stated that only the first payment would be {$99.00}, but I was unable to find this information in the loan contract. Due to inability to afford the loan payments, the loan was sold to Ad Astra and now the balance due is {$1400.00}. There is no indication on the original loan ( {$600.00} ), nor a reference or credit to the amount paid back so far, which is {$99.00} and {$200.00}. In requesting the loan amount be reduced, the offer to me is to break the payments up in 4 installments of {$350.00} until {$1400.00} is paid in full.
Dear CFPB Representative, I want to dispute information on my credit report previously disputed with XXXX, but I was not able to get any information regarding where the accounts came from, why were the accounts in question in my credit report, and why the bank did not do enough to produce concrete information regarding the accounts in question. The XXXX dispute resulted in nothing more than the same and nothing was sent to me personally addressing any findings. The company I am disputing information with is CAPITAL ONE. This company has put on my credit report the following accounts XXXX and XXXX, there are Xs on these accounts as the XXXX last digits of each account is hidden. I previously called a CAPITAL ONE specialist regarding this issue and he informed that there was nothing to worry about, but the accounts were never taken off my credit report and it is extremely affecting my credit report negatively.
A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. 

We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! 
Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. 

WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! 

We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. 

In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. 

I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. ''
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
I am desperately looking for a rental property for my family because the owner sold our current residence and we have to be completely moved out by  XXXX   XXXX . Before I started sending application for rental properties I decided to print a copy of my Free Annual Credit Report on  XXXX   XXXX ,  XXXX . I was surprise to see that I have an account in "  Collection  Account. {$720.00} past due as of  XXXX   XXXX . '' I ca n't have this on my credit report! Every Renta l Property Management and Own  er  of a rental properties pulls that report. I called the company and talk to a couple of representatives. I was advice to make a police report and send them a copy. I did that but my family and I still have n't found a place to live. I was told that the account was opened thru the internet as a loan and the money was deposited directly to my account on  XXXX   XXXX ,  XXXX  with my old address that was foreclosed on  XXXX   XXXX ,  XXXX . I guess, I was not able to pick-up all my personal information. One more thing, I filed chapter  XXXX  that was discharged  XXXX   XXXX . How come this account did not show up when I filed for bankruptcy. The company said that they are going to look into it and that they will call me in a couple of weeks. I really need that account to be deleted. Can someone help me?
I have been breached in the Equifax data theft according to their website. When I try to freeze or lock my account there is a fee involved. They have offered a one year free monitering service, but then there is a fee. My SSN is FOREVER compromised and I want FOREVER control over my credit information. FOR FREE! The other bureaus have some free fraud alerts, and other fee for notice products, BUT IT THEY ARE TO HAVE MY DATA AND USE IT TO SELL SERVICE THEN I SHOULD HAVE FREE ACCESS TO CONTROL WHEN THE DATA IS USED!!!!!!!!!!!!!!!!
I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my loans
I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}
In XXXX I was behind on my mortgage for a second home. It had been my primary residence, but I was down sized XXXX XXXX and the housing bubble burst. I could not sell my home nor get dependable renters into the home, so I was paying XXXX mortgages, I had a second on that home. I moved back to XXXX, AL. Trying to be responsible toward my creditors I called them all and advised of my situation. I settled with XXXX XXXX XXXX and serveral other companies willing to work with me from my severance package. XXXX, the mortgage servicers of XXXX XXXX gave me a XXXX 's XXXX XXXX, which I thought was being provided by them as payments were set up to be directly withdrawn from my account at {$42.00} plus change. This process worked out fine. I did not think about it again. Until XXXX XXXX when I was looking to refinace this property and discovered that a collection was on my report. I immediately called the company. XXXX/XXXX/XXXX I received a letter from ClearSprings acknowledging receipt of my correspondence, saying they would have to research the information. At this time the Company was ClearSprings. I wrote many letters asking for documentation of this debt as I had no recall of it. I found out that XXXX had sold the loan to ClearSpring in XXXX. Ultimately ClearSpring sold it to XXXX XXXX XXXX Bank. I settled with Cenlar.for {$1500.00} on an original loan amount of {$5200.00}. However, I received a letter from ClearSprings, RE : SETTLED IN FULL. ClearSpring File # : XXXX. This interaction was very deceptive. Payment posted XXXX/XXXX/XXXX. Debt Settled. Zero dollars owed. 
Firstly, I was lead to believe by the XXXX representative that this loan was through them and not a third party.Secondly, I was never advised in any manner that the loan had been sold. I was under the impression that when I asked for assistance this is what they were giving me. Thirdly, The paperwork indicates I settled with ClearSprings, so XXXX should not be reporting to my credit accounts. Fourthly, the information should be reported as my record indicates.Paid in full, zero balance owed.
I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls.
I have asked this company numerous times to either report the correct information every month to the credit bureaus or REMOVE THE ACCOUNT. They have not done either. I am trying to get qualified for a mortgage and what they have showing on my credit report is inaccurate. This company have not updated my report since XX/XX/2017 I have attached document to show proof. The company i pay every month is XXXX XXXX XXXX and my guess is Western Shamrock or XXXX XXXX is the parent company .Either way i want this removed.
In reference to the previous filing with CFPB complaint XXXX. Bank of America, has received several correspondence and official communications including those with CFPB regarding the account in question. Bank of America is fully aware the most resent address. They are fully aware the current address in not in Florida ( A LETTER I ONLY HAVE NOW BECAUSE IT WAS ATTACHED TO A BOFA COMPLAINT RESPONSE ) .. Its just a way to keep money they know is not theirs. A petty act that did n't work. CFPB, should change policies that do not allow them to interject to blatant petty maneuvers such as Bank of Americas actions regarding the refund of the credit on the account. Clearly the banking statement has a Texas address that states a credit of {$120.00} on the account. Common sense would dictate sending the funds to that address ON THE VERY STATEMENT YOU PRINTED IT ON ( SE ATTACHED ). But they choose the, lets play XXXX and try to keep the money approach. SEND THE FUNDS TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial
XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  paid and closed
I lost my employment in XX/XX/XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XX/XX/XXXX ), I started a debt management service in an effort to pay all remaining debts. XXXX XXXX  was the holder of 2 of my accounts ( XXXX and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, XXXX is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX for the XXXX account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact P & B Capital Group, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or P & B Capital were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that P & B Capital continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Account Details Bureau Name CRESCOCAP Account Number XXXX Account Type Lease Responsibility Individual Original Loan Amount {$57000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$1100.00} Term 50 Months Payment Frequency Monthly ( every month ) Worst Pay StatusUnknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NE XXXX ( XXXX ) XXXX
Transunion has not deleted XXXX collection accounts from XXXX XXXX even though the collection company sent them a request to delete the items. I have spoken with XXXX from XXXX XXXX and he has verified twice now that the request was submitted to Transunion to delete the items. When I called Transunion and spoke with a CS about it there was no resolution sought or offered.
there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries
While I have been able to talk directly to XXXX XXXX of Bank of America, she and her assistant ( XXXX XXXX ) have repeatedly ignored messages from me, since you closed my previous complaint. I was able to talk directly with XXXX XXXX on XXXX/XXXX/15, in which she made an appointment with me to call me after XXXX on XXXX/XXXX/15, an appointment which she did not keep. When that time period had passed, I called and left a voice mail for her. She did not return my call until this week, XXXX/XXXX/15 at XXXX, while I was indisposed. I promptly returned her call, informing her that she could call me back at any time and leave a voice mail if I was n't able to answer at that time. I have had several questions arise since my first contact with XXXX. I have repeatedly called and asked for a response from her. My questions to wit are : " Is Bank of America willing to work with me as an affiant or do I need to be an executor of XXXX XXXX 's estate? '' and " Did Bank of America pay the property taxes, as they have in the past, for 2015? '' The answer to both of these questions directly affects me and my future arrangements. My attorney also needs to know the answers before she can proceed. I did offer the option of a conference call between the XXXX of us. No response has been supplied, if indeed, this is an option. My understanding of past conference calls is that all parties are notified well in advance of the time, number to call and a check-in ID # for such calls, in order for them to be legal. An " ambush '' conference call is not allowed. Again, I need an immediate response to these questions. XXXX XXXX 's reply to you that she was unable to get information from the consumer is not a valid response, as the consumer, in this case, is my recently-deceased husband, a fact of which both Bank of America and XXXX XXXX are well aware. Thank you for any attention you can give this matter on my behalf.
US Bank charged me an overdraft fee of {$36.00} because I did n't have money to cover the monthly account fee of {$6.00}. My account was already negative by a few cents - {$.00} when the monthly fee was charged. Once the monthly fee was charged on the account, the balance was - {$7.00} and therefore us bank charged a fee of {$36.00}. It is not fair the bank is charging me overdraft fees because I did n't have the money to cover their monthly fees. And besides the {$36.00} for a charge of {$6.00} is outrageous. I would appreciate if you can help out US bank customers. This is not the first time they charge me a fee of {$36.00} for going negative for less than {$10.00}. Other banks at least have tiers that would not charge an fee that is 4 times the negative amount.
I had a loan with One Main Financial. They agreed with a settlement of XXXX XXXX dollars on the XX/XX/XXXX for the loan.I went into the branch on the the XX/XX/XXXX to sign the settlement agreement for the loan. I paid the amount of XXXX on XX/XX/XXXX. I received a correspondence datedXX/XX/XXXX, stating that the loan has been paid as agreed and closed. XX/XX/XXXX I received an alert on my credit report stating that I was late paying One Main Financial in XX/XX/XXXX, ( when that is inaccurate because it was settled an paid as agreed in XX/XX/XXXX ). I called the Credit Dispute Department made them aware of the error they reported. They informed me to mail or fax in a dispute letter an the reason. I faxed the dispute letter XX/XX/XXXX making them aware of the inaccurate information they are reporting. I received correspondence datedXX/XX/XXXX stating that the information that's reporting is correct. They are reporting inaccurate information stating I was late on the account. My credit report is still showing I have a late payment from One Main from XX/XX/XXXX. I have all documents and letters to prove they are reporting inaccurate information. No late payments should be reporting