WillisBack/dataset-financial-user-claim huggingface dataset:
Received a statement from XXXX dated XXXX/XXXX/2016 on an amount due for {$57.00} and payment made on XXXX/XXXX/2016 ( check # XXXX ) for the amount due of {$57.00}. On XXXX/XXXX/2016 received a collection notice from a company called Receivable Management Group , Inc. This company claimed that they received money from our insurance company ( XXXX ) and that we owed a debt of {$62.00} on this bill from XXXX. I owe {$0.00} to Access Radiology so I do not understand where this collection agency obtained this information. Also, if I check and this has been reported on my credit report, I will file legal action against this debt collection agency.
Despite an account being closed for over a decade, Bank of America is reporting a current delinquency for the month of XXXX, XXXX on my credit report at the XXXX XXXX  and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XXXX XXXX, XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX XXXX XXXX and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to Bank of America on several occasions. Despite several disputes to XXXX XXXX and XXXX they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, XXXX separate messages were left for a " XXXX XXXX '' at Bank of America. None have been returned.
XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/XXXX
On XX/XX/XXXX my son informed me that something was going on with his account - monies taken out and monies coming in and he realized that he had lost his debit card. He was at work so I contacted Chase immediately. Explained that there were charges on XX/XX/XXXX that were not my son 's and reported card missing and asked to freeze account. Filed a complaint report with the bank based on the 3 transactions that occurred on XX/XX/XXXX. Told the bank that the {$200.00} charge was questionable as he did take out {$200.00} but not on the XXXX. As you can see from the attached printout it states the XXXX but it was actually on the XXXX, which my son said he did take out that amount on that date but not on the XXXX. Chase claims someone went thru their automatic system and provided them with enough info to believe it was my son claiming that the {$120.00} my son deposited in cash was {$2000.00}. Chase believed this person and deposited an additional {$1800.00} on the XXXX where someone went to the south side within the hour and withdrew {$1800.00}. My son was at work at this time. Chase refuses to work with the XXXX XXXX. XXXX XXXX XXXX that has contacted them. Also filed a police report. Now Chase went into my personal checking account with my husband and took out {$1900.00} that my son 's account was in arrears due to the fraud that occurred.
About a month ago I submitted a dispute to credit bureaus regarding the amount of the auto loan posted from  NCB Management.  The amount was aroun d 10,000. NCB sent back original paperwork but left out all auct  ion paperwork. According to law, I am still liable for the remaining amount. I have requested a hard copy of this receipt and I have been told they may not have it. They have a typed up transaction list but nothing at all about the sale of the vehicle to the auction about how much it sold for. The car was originally around 20,000. They said they have sold it for around 10,000. And now I owe the  remaining amount. How do I know that they did n't sell it for more or less? I need a a valid receipt of the amount from the auction to verify what I have left to pay. As indicated my wife spoke with the m on  XX/XX/XXXX  and they said  they would get back with her in a couple of days. Meaning they have no proof of how much I owe and they are reporting it on my credit report negatively.
This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contacted to verified this debt. I am a litigious consumer and intent to use my right to clear my good name and get monetary relief as law pro-bail {$1000.00} for any unverified item on a consumer credit report by FDCPA 15 USC 1692l.
Since my first written complaint to Loancare LLC regarding their lack of ability to lawfully service my loan, the disturbing Phone Call where I attempted to make a payment but was denied the ability to do so and subsequently had my contact information, without my consent updated to XXXX. In which I complained that I DO NOT get my statements, Loancare LLC has seemingly once again violated the regulatory period, willfully ; and in an ongoing abusive manner in which true emotional trauma has been caused, in addition to catastrophic financial damage due to ongoing violation and harassment.
Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, Transunion and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
Transunion had a glitch which remove inquiry 's the without 5 day notice place back on account. I called and was told it they would be removed and a credit report would be sent to showing update still have not received report showing that it has. I just called XXXX spoke to someone name XXXX from special handling and to told to contact CFPB
Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, XXXX and Transunion to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Higher interest rate charged than originally told, never post payment on time and does n't add up to amount I need to pay
I have a charge off on my redit report for {$4.00} from XXXX. thisi s a XXXX XXXX card thru SYNCB. this {$4.00} shows late XXXX days. I can assure you I pay my XXXX credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this {$4.00} charge. However, I am now looking to purchase a home and this {$4.00} is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all XXXX bureaus. Ihad no idea I had a charge off ever filed against me until XXXX XXXX XXXX pulled my credit. I feel completely mislead and taken advantage of for a mere {$4.00}. the charge off is showing PAID however becasue of the category of charge off my fico score is down XXXX points. I want this rectifed ASAP!
I have been trying to work with Wells Fargo in regards to a loan modification : But, before you can be reviewed you have to pass their " ReEntry team ''. This team decides whether or not you should ; d be reviewed for a loan modification. If they say " you are not worthy of a review '' they deny your request, and you do not have an option of an appeal process. They violate your " Home Owner XXXX '' by not reviewing your file. I just want to save my home.
Back on XX/XX/18, I was contacted by XXXX XXXX XXXX XXXX  They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some XXXX ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list. 

This morning ( XX/XX/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling them back, twice, at ( XXXX ) XXXX to remind them what was discussed, and all I get is dead air. I'm sick of these people calling me over a complete stranger 's debt. This is ridiculous.
XXXX of 2018 reached out to Navient student loans to claim financial hardship and have my loans lowered for as long as they would allow. Send all documentation to them and was approved, same day, for a payment of {$370.00}. My usual payment was {$540.00}. At this time I was told I need to sign up for automatic payments which I agreed to come out the XXXX of each month. XX/XX/XXXX the first payment came out for {$370.00} but with a remaining owed balance of {$170.00}. When I called in I spoke with someone who told me that once the payment clears the amount would default to the {$370.00} for a year as I was told in XXXX. This did not happen. As of today, XX/XX/18, my account is showing past due for {$170.00} and owing {$540.00} due in XXXX. When I called in I spoke with 2 agents and finally a manager.  They all spoke to me as this issue was my problem and simply stated that I was told the incorrect amount for the program and I needed to pay {$75.00} to bring the amount current for a total program amount of {$440.00}. When I asked why Im not able to pay {$370.00} they respected very rudely that I wasnt approved for the amount because I made no payment of {$370.00} in XXXX to secure that agreement. I paid {$540.00} in XXXX PRIOR to my due date as I always have. Both agents and the manager continued to speak over me, wouldnt give me any information in a letter or statement and said they promise the payment would be {$440.00} going forward. When I asked for a statement declaring this they said to look in the mail some time in XXXX. Nothing further.
I sent my complaint to you and you forwarded that to Premier Student Loan Center who responded incorrectly but you accepted that and closed the case. Is this how you do business and if so, I guess I should not be surprised since you are a government agency. My complaint was NOT the fee but the way in which the fees were to be set up. My complaint was NOT the fee but the misleading information regarding how I would now be set up to repay the loan. It clearly states that from the beginning, I would pay {$240.00}. for the first 4 months ( their fee ) and {$100.00} thereafter for the next 120 months. THE XXXX CHANGED TO {$230.00}. I was also quoted {$70.00} and another {$30.00} which totals the $ XXXX monthly payment. When I asked for an explanation about this and where does the {$100.00} appear, I received a general response that did n't feel right. That 's the issue that should be questioned and this information was stated in my first correspondence. If you are there to protect consumers, how the XXXX is this protecting consumers?????? Companies should not be permitted to pray on consumers such is what happened in 2008 and why to were created. People were mislead and provided with XXXX  information yet it appears that it is allowed to continue WITHOUT PROPER OVERSIGHT.
My credit card stopped working so I contacted the bank and was told I was over my limit. I pay my balance every month and only use the card for small charges like gas once a week. My identity was compromised and over XXXX charges were made in XXXX 2015. The CS rep took the information and I paid the charges I was responsible to pay. I mailed a letter denying the fraudulent charges and made a police report. Several attempts have been made to talk to the bank since discovering the fraudulent charges. I keep getting a new statement showing I still owe the charges and interest.
In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I  received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ).  Where is the proper validation?
They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.
I purchased a XXXX in 2006. I paid {$750.00} as down payment to the dealer. XXXX weeks later dealer called and said XXXX financing is unwilling to finance the vehicle. So I returned the vehicle to the dealer. XXXX weeks later dealer called and said they found a financier and paid {$7000.00} as down payment and purchased the vehicle. XXXX years later wells fargo dealer services bought the company and took the loan over. I was told by the original financier the {$750.00} I paid will be applied towards XXXX car loan payments. 

This has been XXXX years wells fargo claims I owe them {$750.00} annd unwilling to give my title to me. 

The XXXX division of Motorvehicles asked a copy of the title to register the car XXXX times and they have not responded to their request or my request. 

I need help in getting my title and do not make me pay a loan twice
I disputed the referenced accounts in XX/XX/XXXX. The Experian credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Experian had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Experian did receive. Experian removed XXXX XXXX and XXXX XXXX from my Experian credit report. I have included a copy of my Experian Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX  XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated Experian showing the removal in 30 days per law.
XXXX XXXX filled out the credit card application. I did not get a copy. 
I would like a copy of the online application filled out online. Card opened XX/XX/2014.
Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.
On XX/XX/XXXX I initially filed a dispute for the XX/XX/XXXX Charge from the XXXX XXXX for {$250.00} as I did not stay at the hotel the date of the charge XX/XX/XXXX. One of the hotel managers XXXX XXXX had canceled my stay due to issues with the hotel not providing services as agreed, not providing a reserved room or honoring the best rate guarantee. I provided my correspondence with the hotel general manager,  the original reservation showing an 839sq ft cool corner suite reserved which was not provided. Additionally, I provided information showing the XXXX XXXX was not honored either. All of these issues led to the hotel and I deciding to cancel the stay. 
On a letter dated XX/XX/XXXX Chase states they sent me a letter requesting more information. This letter requested information which had already been provided when initiating the dispute. Thus despite having not fulfilled the reservation, been a guest of the property and providing evidence to my claims, Chase still found the charge valid. As I was not a guest at the property there should be no charge, especially if the reservation is canceled by the hotel themselves. In this regard, Chase failed to adequately investigate or provide a compelling reason or documentation as to why the charge is valid.
2010 I attended an online college called XXXX college, which was suppose to be located in XXXX, Ohio, but later found out it was located in XXXX XXXX, Fl. I found out they were taking out student loans months after I had withdrawn from there. I have been accruing hundreds and hundreds of dollars over the past XXXX yrs. from these student loans that I never approved or signed for, because of the student aid advisor who was actually a student himself that was fraudulently scamming me by taking out loans without my approval and who knows how many other people who attended this fraudulent online school.
I have been working with Bank of America regarding whom submitted Duedilligence letter to county recorders as provided by XXXX XXXX XXXX. 

In XX/XX/XXXX Due-diligence letter is not accurate/untrue RECORDED XXXX page XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX as page XXXX of Notice of Default and Election to Sale check date, phone number and address - its at the same time as approved modification I was not contacted at no time by the person whom signed recorded document I had XXXX accounts with Bank oF America I was in constant contact with Bank of America throughout XX/XX/XXXX-XX/XX/XXXX XXXX modification was complete and my second home was not due-dilligence letter does not work with time line i was working on first modification when due-diligence letter was recorded Bank of America contacted me and explained new program allows a modification to second home my understanding modification documents were never uploaded to second account in error I am the same customer the completed modified loan spelled my name with no space and the other loan had a space XXXX vs XXXX I provided to Bank of America funds that was stolen by a third party for mortgage - Bank of America to date has not responded. 
XXXX XXXX to date has not confirmed was the foreclosure n XXXX XXXX or XXXX XXXX - XXXX TDUS is recorded and neither can be verified Which raised more questions regarding notaries from XXXX XXXX during XXXX alleged proper foreclosure SUBSTITUTION OF TRUSTEE - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding CORPORATION ASSIGNMENT OF DEEDS OF TRUST - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company XXXX XXXX XXXX QUIT CLAIM DEED TO INVESTOR WHOM RESOLD MY HOME WITHIN 30 DAYS AFTER PURCHASE AND EARNED INCOME - NOTARY XXXX XXXX - NO RECORD FOUND document XXXX XXXX bond company XXXX CERTIFIED NO RECORD FOUND PROVIDED BY COUNTY RECORDERS XX/XX/XXXX-XX/XX/XXXX it appears to be FRAUD and VOID on its face. 
The majority of notaries worked for XXXX XXXX - BAC division of Bank of America The notaries are unable to be located directly - ALL NOTARIES ARE NO LONGER REGISTERED AS NOTARIES - ARE THEY REAL PERSONS? 

One notary according to bond company was located XXXX XXXX - however XXXX XXXX never responded to me directly.
First of all, your categories did not cover my complaint. So it is actually none of the above I just chose ANYTHING to get to the next page. You guys need a category that is called customer service complaint. There is no way to talk to a real person at Experian despite the seven different phone numbers that they ostensibly provide to '' contact customer service '' it doesn't matter what you do you are dragged to the same rat Maze and given only two measly choices one is putting a fraud alert on and one is ordering your car there are no options to talk to an agent AT ALL!! Experian has something on my credit report about me that says my social security number was used with an old address of mine and when I read who the inquiry was it was something I did not understand and that I needed Experian to translate since the title of the inquiry was some initial, XXXX a couple of other words, and then the word experian ... despite two hours of searching on the internet and everything I could find the same 800 numbers for Experian from their website telling me to reach out to them through XXXX or XXXX or some other kind of nonsense. They need an 800 number that actually works, that one of the options is to talk to an agent. That they have so much of my personal information and they're getting paid to do a job and with no way of anyone to actually speak to them.