WillisBack/dataset-financial-user-claim huggingface dataset:
I have n't received a statement of my account with Volkswagen Credit since XX/XX/XXXX. When I reached out to them online, I received the response below. It appears that because I overpay every month, they think it is n't necessary for them to issue a statement. I have no way of having a monthly record of my payments or knowing my current balance on the loan without a statement. I believe this violates some statute or regulation, since I receive statements on all of my accounts which I overpay. Here is my message to them and their response ( their response is first, my original is below ) : Response on XX/XX/XXXX XXXX CST : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction. 

Thank you for your inquiry. We apologize for the delay in response and appreciate your patience. 

Thank you for your always timely payments! We appreciate your excellent payment history! 

Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. Our records indicate that your account is currently paid in full through XX/XX/2017. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone. 

If you would like us to create and send you manual billing statements, please provide us with the method you would like to receive them ( mail/fax/upload to online account ) and the months that you would like these statements for. 

If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX, XXXX, XXXX. Eastern. 

Sincerely, Volkswagen Credit Customer Care Original Inquiry on XX/XX/XXXX XXXX CST : Why do I not show any statements on this account since XXXX? I 've been making payments, and would like to have statements for every month. Why would those have stopped? Please provide me with all of my statements since XX/XX/XXXX. Thank you. 
Your Follow-up :
Wells Fargo is again manipulating post to my account. Since XXXX XXXX they have taken 35 fees of XXXX XXXX out since XXXX XXXX. That is or XXXX worth of fees. I was one of the victims which they were opening up accounts I never 0pened. This is flat crazy.
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
To whom it may concern : My name is XXXX XXXX and in XXXX XXXX I went to XXXX XXXX XXXX ( XXXX ) XXXX to inquire about information regarding financial aid. I was directed to fill out a FAFSA application, which I did. The office told me I was eligible for around XXXX in financial aid. I asked them if it has to be repaid because I told them if it was a loan I wanted no part of it and I was told " No '' At the end of the semester I had money left over and I went back to the office to tell them this and ask them what to do with this and I was told " It is yours to do with as you please '' I again asked them if this had to be repaid and I was told again " No '' I went back to XXXX the next semester and I was not eligible for anymore financial aid, so I paid for my classes out of pocket. On XXXX/XXXX/XXXX I received a call from Nelnet telling me I was 33 days past due on my student loan. I told them I did n't have a student loan it was financial aid and I was told this did n't have to be repaid. They informed me that it was a student loan and it had to be repaid. I asked them for information they had about this and I was told to go to XXXX and talk to them. On XXXX/XXXX/XXXX I went to XXXX with my father and spoke with XXXX XXXX a financial aid advisor and explained what had happened and she printed out these forms that said Direct Loans on them ... this was the first time I had seen these and told her I did not fill out or complete any loan application as I told them form the beginning I did not want a student loan. Now I 'm in a situation where I will not go back to XXXX due to their deceptive nature and I am being harassed by Nelnet demanding money I do n't have based on the misleading information I received from XXXX. I am asking for any help you can give me with this as they will not help me in any way at all. Please feel free to call me at XXXX or email me at XXXXXXXXXXXX with any questions Thank you XXXX XXXX
Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges.     Bank on  XXXX / XXXX /  XXXX   {$430.00} was paid off and it was in full so the balance reflected was  XXXX . They stated it was not paid on time and processed  3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from  XXXX  and PAID OFF to {$290.00} plus now interest on top of that.     I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous.     When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the  payment was made while looking at the current live balance at that time in late  XXXX    XXXX  , you know its " paid off '' with a "  XXXX  balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing (   XXXX   XXXX ,   XXXX    ) to m y surprise.     They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a  XXXX  balance like it was in late  XXXX    XXXX  , and move forward.     They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both  XXXX  and  XXXX   XXXX  and both did nothing ...     Now, they want me to mail them thru regula r US  MAIL, and wo n't give me any EMAIL.      XXXX   XXXX   XXXX
I am a XXXX who was looking for a job on my university 's job net and I came across a job that seemed legit. Therefore I applied for the job by sending my resume to the email on the page and I heard back from him two days later. He had my information from my resume and mailed me a check and told me to deposit it into my checking account and to let him know when the funds cleared. As a college student seeking a job to support myself, I went ahead and did so. However, something told me to go into TD location and speak with someone to see why the fund was taking so long to clear. They told me the check was fraudulent. That is when I reached out to the person and they began ignoring my calls. TD bank made {$100.00} available and I withdrew that. I was a new customer as of XX/XX/2017 so I was unaware that TD bank even did that. Due to this bounced check that this person sent to me I now owe TD Bank {$150.00} for an overdraft. However, when I opened this account I told the lady that worked with me that I wanted to be protected from overdrafts and she obviously was not listening and did otherwise. I filed a police report and spoke with district attorney and they both told me there is no reason why TD bank can not waive these fee 's and found it more inconsiderate that I am a student who is not working and can not afford to pay this fee. I went into a TD location on XX/XX/2017 and the teller told me I am still responsible so I went in again on XX/XX/2017 and the manager told me the same thing.
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
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. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XXXX XXXX, I called XXXX XXXX. to inquire about an offer I received in mail. I was ONLY inquiring. The sales rep asked for my social security number, and I immediately said, I'im not giving you my S.S. number because I do not want my credit report run at this time. I am only inquiring about your package. I have XXXX and was just checking to see if I can get a better deal for the money, and what was the catch with getting " same amount per month, no price increase for 2 yrs. Then he said OK no problem, just give me your name and address to to if we can have service in that area. After all as said and done, I found out I had to switch to XXXX XXXX XXXX phone service. I said thank you for your time, but i 'm not switching any phone service. Now, how they do it, I do n't know, but, the next day I get a notification that another Credit Inquiry went on my credit report with Equifax. I 've called about 20 people from XXXX and have names, ID # s, etc, and they all swore to me that they were gon na have it taken off my credit report ( s ). To date, they did nothing. I sent a letter, certified to XXXX XXXX and still, nothing has been done. I was told by an Equifax rep that XXXX XXXX needs to take that inquiry off their Data Base, otherwise, it automatically generates on Credit profile. Which is hurting my credit scores. Please help me get this off, so I do n't have to file Fraud charges against this salesperson for illegally getting into my credit report. I do n't know what info of mine he took from me, if any. Thank you, XXXX, N.C. XXXX / EMAIL ADDRESS ... .XXXX Please respond ASAP either via postal mail or email. P.S. I just read the bottom statement but do n't have picture of credit report to upload, buts it on Equifax. I can give you any info you may need to get it directly.
Equifax has an account ( XXXX ) listed on my consumer report that is derogatory. The account has been closed for over 8 and a half years and they refuse to remove it from the report.
Frederick J Hanna and Associates has filed a lawsuit in conjunction with XXXX XXXX to collect on a debt that they are unable to substantiate. They are attempting to collect almost double the amount that the original creditor specified. Furthermore, they have not submitted any business records related to this account. They are relying on third party affidavits and a general bill of sale with no identifying information. These are tactics that the Hanna firm was recently cited for by the CFPB. It seems to be business as usual.
EQUIFAX allowed 50 credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested EQUIFAX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission 56 inquiries.
Was offered a position by insurance offices of XXXX On XX/XX/XXXX. Was sent a request for background screening authorization, potential employer requested I sign an authorization for consumer background check. However the 3rd party company listed was accufacts. After a week, I contacted accufacts who stated they had no relationship with XXXX, and after a search on the internet found out this company was used. GIS did not contact to get my consent for background screening. 

What is worse the former potential employer has escalated a series of adverse actions based on this report. Contacted this agency who has apparently been working on the report since XX/XX/XXXX. Start date pushed back twice, so I escalated my concern to a supervisor named XXXX in XXXX who committed to sending the report to XXXX on XX/XX/XXXX.  That did not happen. The employer sent threat disguised as an offer letter stating that I would be released based on the approval of a background check. 16 days. It presented an unacceptable hiring condition cost me my employer, and have now contacted an attorney to see how to protect my rights.
I recently pulled my credit report from Experian and XXXX, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with XXXX and Experian. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..
I try to apply for the Capital One Quicksilver Cash Rewards by Captial One internet site and they do not provide residents from Puerto Rico to apply. I find this discriminatory.
Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. 
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.
I sent in letters to the credit bureaus in regards to this matter and was just ignored. I told them these were not my accounts. they have 8 accounts the same acct number same date now you know there is no way in the world that I could have got all those student loans all in the same day 8 or you kidding as well as other fraudulent account I saw on my file ca n't they see that is not correct
Received multiple letters & phone calls from Creditors Service Bureau regarding accounts belonging to myself & my wife. Have asked repeated times for verification of debt, asked for debt to be removed due to no debt verification, no recollection of debt etc.
On XX/XX/XXXX I spoke to XXXX XXXX at Sonnenschein Financial. He told me about a red light photo ticket and said he was calling to get it paid. 

I asked him for verification of debt. He got very angry and told me he was putting this on my credit report today if I didnt pay. He also told me I would get my VOD in minutes. I also never received a dunning letter. 

I never received the verification of debt and through research I found a multi- settlement between states and CRAs regarding these tickets stating that they would not be reported to CRAs any longer. So he lied to me. 

Although the FDCPA does not apply to this situation, he broke several provisions and UDAPP violations along the way with harassing and unreasonable requests. 

Lastly, when I asked him if these calls were recorded he told me he was done with this conversation and hung up on me.
I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.
We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is.
HI I was released from my ex husbands business irs income tax and Minnesota taxes when I filled out innocent spouse forms. It was from my ex husbands business that my name was never on. This was never my debt. On the credit report it states either paid or released ... on your companys credit report I noticed there is nothing stated?? I would like the lien information completely deleted from my credit report. The other XXXX credit agencies, XXXX and XXXX have completely removed the lien information off my credit reports. I would like you to do that as well ; since IRS released me from this debt and it is not my debt. thank yhou
I have purchased online some XXXX  bags using my credit card with total amount XXXX dollars on XX/XX/2017. Unfortunately, i received fake XXXX bags. I tried to resolve the matter with the merchant but all my tries were useless. I have disputed the charge and talked to the Bank about explaining what happened. The Bank agent asked me to provide some documents so i did. however, the bank asked me to get a second opinion on that merchandise i received and this should be on a letter head from a store that have the expertise to define genuine XXXX bags. I have tried very hard to get that letter but no store accepted to give it. i get back to the bank telling them about what happened but they refused to consider it. I went to XXXX store and the assistant manager check the merchandise and told me that he can not write a letter describing the merchandise but he instead can give some information on XXXX store business card and he said he was happy to explain that on phone if the bank what to get more details about that matter. i got back to the bank telling them that this was what i can do since no store want to give me that letter on " letter head ''. I talked to the bank today and they refused to accept that and they insisted on getting that second opinion letter on letter head. Now, my account was charged and my credit report was affected, and I want this matter to be solved.
BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE!