WillisBack/dataset-financial-user-claim huggingface dataset:
National Credit System is attempting to collect an invalid debt on behalf of XXXX XXXX XXXX as I am not responsible for the {$1700.00} that they claim I owe them. I was an employee of the XXXX XXXX and was on a month to month lease agreement therefore my rent was automatically taken from my check every time I was paid. When my employment terminated so did my lease and I was allowed 30 days to move from the apartments which I did. After I left employment with them and moved out I never received any letter from the apartments stating that I owed any type of balance so I was under the impression that we were in good standing. On XX/XX/XXXX I reviewed my XXXX   credit report and noticed a third party collection from National Credit System on behalf of the apartments stating that I owe {$1700.00}. As I did not recognize the debt, have never been informed about the balance and have no knowledge what it could be for, I then sent a letter requesting debt validation directly to National Credit System on XX/XX/2018. I did not receive a response to my validation request and reviewed my credit report again on XX/XX/2018 and the account was still reflected on my credit profile and was not even updated to reflect that I was disputing the debt. On XX/XX/2018 I sent a dispute letter directly to XXXX   stating that I had previously requested debt validation from the agency which they failed to provide within 30 days of my request according to FCRA 611 ( a ) [ 15USC168li ( a ) ] .I also indicated that the agency also failed to update the account to reflect a disputed status. I did not receive a response to my direct dispute with XXXX  and on XX/XX/2018 I pulled my credit report again and found that although the account status was updated to reflect that it was in dispute ; I still have not received validation for this account and still do not know what the charges are for. At this time I would like this erroneous entry to be completely removed due to gross negligence from both National Credit System and XXXX in attempting to provide evidence that this debt is valid and accurate and belongs to me.
I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXXl XXXX 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.
Equifax refuses to add positive payment information regarding my account. They claim that XXXX XXXX   card asked them to delete this information. XXXX XXXX claims that Equifax blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to Equifax and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
Transunion has  XXXX  accounts on my credit report that are reporting inaccurately. There is collection with a company that I have never heard that is on my file erroneously. I have an account with  XXXX  that states there is a late but I never was, and they will not show me proof of the account ever being late. It was paid in full never late. I also have a student loan account that is reporting multiple accounts with the same account number and has  XXXX  lates which is inaccurate. I have provided a letter to show exactly was is incorrect and a letter from the student loan company that shows that my account was never late. I have attempted to contact both Transunion and these companies but no one is answering me and are not accurately reporting my credit report.
Had a negative balance of {$160.00} due to needing to make an emergency purchase and scheduled payments being removed from account, the amounts that sent my account into negative balance were pending. Transferred money, {$190.00}, via XXXX direct deposit to the account to cover the negative balance until next paycheck. Amount should have showed as pending but it was not deposited until after midnight, which is also when the two charges causing the negative balance would have exited their pending status. 

Was charged two {$34.00} overdraft fees, sending my account balance back into negative balance because the transferred money was not enough to cover the initial amount and the {$68.00} in fees. Bank refuses to refund the overdaft fees even though the 2 charges that sent the Account into negative balance initially were not posted until the same business day that the transfer was posted.
This company SIMM associates, INC were told on XXXX XXXX, XX/XX/2015 .via certified mail, That this account that they are trying to collect on is a result of IDentity Theft. The company who sent them the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been informed on XXXX XX/XX/2015 that this account was a result of Identity Theft and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business XXXX XXXX TRust that this account was a result of a identity theft. They have not responded to me on this and knowingly went and sold this account to another debt collector NCO financial systems because now in XXXX XXXX, XX/XX/XXXX I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at SIMM Associates, Inc
My home mortgage bank dose not report every payment I made to my home loan. 
I have payed 7 months on time and they have only reported 3 payments and that is effecting my credit score.
In 2015 I lost my job 3 days after my first mortgage loan payment on XX/XX/XXXX. I spent 8 months without a job and early XX/XX/XXXX I fell behind on my loan payments.  As a result, my original loan was refinanced and payments under the new loan started on XX/XX/XXXX The XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX were applied to the old loan. By XX/XX/XXXX XX/XX/XXXX according to Penny Mac records I was 2 months behind. Issue solved and registered for auto-draft. Ever since then, every month I have to call because they draft the money from my account but for some reason they put it on hold and the money never gets deducted from my account unless I call and curse and swear to somebody. Today I received a call that I didn't pay XX/XX/XXXX XX/XX/XXXX. I'm pretty sure I called onXX/XX/XXXXto check on my account. Same thing... lady told me money was drafted and put on hold. But the person that called me today says the money was applied to XX/XX/XXXX and not XX/XX/XXXX. I have talked to collection agents, supervisors, they transfer me to a complaint division of some sorts... and everyone promises to fix the problem and it's been already a yr and problem hasn't been solved. I think that the money they had put on hold for XX/XX/XXXX was applied to XX/XX/XXXX instead. I'm pretty sure that I called on XX/XX/XXXX to check on the status for XX/XX/XXXX payment... and still, they messed it up. Don't know what to do anymore.
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D  ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Suntrust closed my bank account. I only found out after I tried to activate a debit card. I spoke with 3 representatives over the phone, and one via their chat option. I was simply told that the account was closed due to suspicion of fraud. 

I applied and opened the account on WednesdayXX/XX/XXXX at XXXX XXXX. 
I called 2 days later to confirm that by opening deposit had made it to the account, but was told not yet. 
I called again on Monday the XX/XX/XXXX and was told the funds did reach the account. 
I received the debit card in the mail on Tuesday the XX/XX/XXXX. 
When I called to activate the debit card, I was told the account was closed due to suspected fraud. 

At no time did anyone try to reach me via phone or email to warn me that the account was compromised or under review for suspicion of fraud. 

The account is closed and I do not have access to my money.
The XXXX XXXX " divorce '' from XXXX and changeover to a Citi Visa card was badly botched. When I went to XXXX to complain there were hundreds of people in front of me. I paid my XXXX card in full on XXXX XXXX but when XXXX switched the account to Citi they did not include my payment. Citi told me to stop payment on my check, which I did. Then I paid the full amount to Citi ( check has cleared ). Now Citi claims I owe them $ XXXX in interest charges. I explained what happened but they are unwilling to help. The manager at XXXX has been understanding and helpful but the issue is still not resolved.
Filed claim with our Insurance company for wind damage on roof, received Insurance draft.Tried getting insurance draft endorsed thru Dovenmuehle who is servicing our mortgage from XXXX XXXX XXXX XXXX. Unable to reach person assigned XX/XX/XXXX. Spoke to someone who said they were answering XXXX 's phone. Said endorse, send in, they would endorse and send back even though email said over {$10000.00} they would keep 10 %. I overnighted to Dovenmuehle. Attempted to contact XXXX twice XX/XX/XXXX phone just rang, no voice mail option. Tried again XX/XX/XXXX was able to leave voice message. Never received return call. Called XXXX XXXX XXXX   directly. XXXX XXXX got XXXX to return my call XX/XX/XXXX XXXX   stated they had a 5 day turn around and that they had to wait until our check cleared before they could send us a check for 90 %. This is incorrect as I overnighted them an insurance draft, not a check. Drafts do not clear like checks. The letter I overnighted with the draft explained that our roof was going to be replaced this week. We needed the money to pay the roofer. I included a prepaid return overnight envelope. Time was of the essence.

I emailed Dovenmuehle again XX/XX/XXXX told them if a check was not overnighted to me so that I received it by XX/XX/XXXX I would file this complaint. I also left voice message with XXXX XXXX Monday morning. She had XXXX   call me XX/XX/XXXX she said she would print the check, but it would take overnight processing. Seems XXXX  should have ordered on Friday and it could have been mailed Monday. I received a call from XXXX   XX/XX/XXXX stating she overnighted the check. I received an email with the tracking number, but did not receive the check today nor does the tracking number pull up on the United States Postal site. They have had our Insurance draft since WednesdayXX/XX/XXXX XXXX XXXX. I have postal record to prove it. If they are going to keep our funds for a week and then keep an additional 10 % they owe us interest. They are holding thousands of dollars without paying interest, and consumers have a very hard time contacting them. They use stall tactics to hold the money longer. XX/XX/XXXX I was also told they ordered a home inspection to verify our roof has been replaced and someone would contact us within 48 hours to schedule an appointment. I was not contacted untilXX/XX/XXXXby XXXX XXXX and told someone would contact us in 48 hours to schedule an appointment. Again, not what Dovenmuehle told us. Our shingles were delivered XX/XX/XXXX, and our roof torn off, and completely replaced by XX/XX/XXXX. We have paid thousands of dollars in interest over the life of our mortgage. Why do they not have to pay us interest if they are going to hold our funds? This needs to change.
After checking my credit report on XX/XX/XXXXI noticed that there was an open collection with XXXX XXXX  reporting that was opened XX/XX/XXXX. I've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act for withholding notices. I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under the FCRA occur when a creditor fails to notify you when it supplies negative credit information to a Credit Reporting Agency. A creditor fails to notify you of your right to dispute inaccurate credit information. They've also are in violation due to prohibition of trying to collect on a debt that has resulted from identity theft. I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices.
The number I listed below call 's the above listed business number XXXX to XXXX times a day and when the phone is answered on my end the line is disconnected. This go 's on 7 days a week. Our answering massage states " Thank You for calling XXXX XXXX ''
This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. XX/XX/17. XXXX. And this belongs to my wife not me.
I have a checking account at Wells Fargo. I noticed in XXXX that I had been charged a XXXX XXXX   monthly service fee ( charged on XX/XX/XXXX). I then went back and noticed that I had been charged the same fee in XXXX ( XX/XX/XXXX ). I connected with the bank to ask them why I had been charged these fees. They credited my account the {$60.00} they had charged ( on XX/XX/XXXX and XX/XX/XXXX ) after my complaint. However, my issue and the source of my continuing concern with Wells is that : 1 ) This is not the first time that I was surprised by a service fee. It's happened before, and mostly depends on if I happen to notice it or not. 
2 ) We originally set up the Wells Fargo checking account when we got our home mortgage through wells - it was a requirement to get the mortgage. At that time, I had explained to the Wells representative that I had minimal needs - a few checks and ATM withdrawals - and I wanted the most basic account there was. 
3 ) Somewhere along the line, my account was upgraded to something I didn't need. This new account ( " XXXX by Wells '' ) also came with a high minimum balance requirement, which I was never told about - I would never have agreed to it, because we never intended to keep much money in wells. 
4 ) I asked them when my account was upgraded, as I have no recollection of ever having consented to this, and I definitely did not know about any account balance requirements. 
5 ) I spoke to someone at the Wells Executive Office on XX/XX/XXXX, who told me they were conducting an investigation into this matter and they would get back to me with the results of their investigation - why did I have a banking product I didn't need and why was I getting charged? 
6 ) Since then, I've received nothing but unhelpful replies to my repeated inquires about the results of their investigation. One reply said they would send me their brochures. Which they did. Another just restated the type of account I had and the balance requirements.

7 ) I consider myself a pretty savvy consumer, and I had no idea what product I was using at Wells,  when I had consented to using it, and what the balance requirements were. Perhaps they have got legal coverage somehow but at the very least its an extremely misleading approach. I wonder how many other people are stuck with banking products that are overpriced and unsuitable for them.
A student loan was obtained from XXXX XXXX to fund my XXXX college education. The original loan amount was for {$28000.00}. We have been making larger payments to reduce the principal amount and pay the loan off as quickly as possible. Each time a payment is made and we call the XXXX number the information received is not accurate. First we were told that if the payment was more than the interest amount due any additional amount would be put toward the principal amount. We noticed that this was not happening and called back and they told us the account needs to be set up on auto payment to have the additional amount reflect in the principal. I called on XX/XX/XXXX to inquiry why the balance is not going down and XXXX stated that the extra amount is paid forward to the interest for next month. Why.the purpose of making additional payment amount is to reduce the loan. If you put the extra amount toward the next months interest, you will never pay the loan off. 
Regardless of the above scenarios different things have happened with the payments. It is truly very inconsistent. For example ; On XX/XX/XXXX the payment amount that was due is {$270.00} which was paid. An additional payment was made for {$2000.00} the next business day. {$150.00} was held for interest and {$1800.00} was applied to the principal. ( The account was not on auto payment ) On XX/XX/XXXX a payment for {$300.00} was made. The accrued interest was {$160.00} ; the difference of {$130.00} was added to the principal. ( The account was not on auto payment ) On XX/XX/XXXX the accrued interest was {$220.00}. A payment of {$300.00} was made and nothing was applied to the principal balance. 
On XX/XX/XXXX the accrued interest was paid and the remaining amount went to the principal amount. 
My goal is to pay back my student loan but the inaccurate and inconsistent way that the loan is handled does not make sense mathematically nor is their reason for how the payments are applied. I have called XXXX XXXX customer service area about every other month to discuss the discrepancies in the account. The phone representatives truly do not understand the complexity of the account and the manager NEVER takes the call. The associate on the phone is asking questions and then relaying the message. You will never get an accurate answer. It is really disappointing that a company can practice this type of behavior which ultimately affects the lives of people. Shame on you..
I have had 2 credit accounts with Chase for a little over a year now As I do with all my cards, when I make a purchase, I have paid them off immediately, and used them sparingly. I have never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 
Without notice, without reason, and without response, my accounts were closed. I am a recent college graduate, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know how exactly long the accounts have been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.
I made a complaint through the Consumer Financial Protection bureau to Experian on XX/XX/2017 with Complaint ID XXXX. The company 's response did not address my complaint. I am not satisfied with the company 's response.
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by Capital One. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with Capital One was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than Capital One. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with Capital One. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with Capital One, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Debt not validated I contacted Online Information Services to have them validate an unknown credit collection account ( XXXX act # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor showing that I sign a contract with the company
I have a loan for my car through Ally. I was current on my payments through XXXX and even have copies of my statements indicating a balance of zero ( {$0.00} ). When I went to make my XXXX payment, Ally claimed I had a {$260.00} late charge. However, no payments were late and all paper/electronic documentation indicates that I had a {$0.00} balance in XXXX with no late fees or penalties. I have called Ally several times and tried to speak with a supervisor or manager. They can not explain where this charge came from, but refuse to remove it. After my third call to Ally with no resolution, I am filing a complaint with the CFPB in hopes of getting this issue resolved. I have attached pictures of my XXXX and XXXX statements and of my transaction history. I have had several issues in the past with Ally taking money from my bank account without authorization and had to go so far as deleting my banking information and sending in money orders to make payments.