WillisBack/dataset-financial-user-claim huggingface dataset:
They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from.
I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX cards were taken out in my name 2 of them. I reported this to XXXX and XXXX XXXX the credit card company. XXXX found it was fraud on both cards in XX/XX/XXXX I believe it was settled. XXXX told me that the bills XXXX kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings
Some one was using my credit for diffrent ztuff and know my score looks like i never had credit.
There is an incorrect previous address listed for me in Indiana that was reported on XX/XX/XXXX. I have never lived at that address. The address belongs to an exhusband who was unable to be located for divorce proceedings and who unlawfully used a credit card of mine in California in XX/XX/XXXX that was reported and funds were received back into my acct. Please remove this address from my credit report.
Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Bank of America last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Bank of America many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Bank of America and help me get my XXXX XXXX XXXX account back. 
Thank you! 
XXXX
opened XXXX on XX/XX/2016 and this company is STILL reporting inaccurately on my credit report which will constitute me filling a lawsuit if they continue to not follow the response obtained in their response to the CFPB that they account will be CLOSED. 

This needs to be CLOSED/DELETED on ALL credit reports : XXXX/XXXX & XXXX  as this is still affecting my score. This has been going on for two years now as you ( Consumer Portfolio Services removed it from my credit report after my complaint was submitted to the CBPB but it mysteriously reappeared about 3 months later.
My current credit report reflects two XXXX XXXX XXXX Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts XXXX Loan 1- Closed XX/XX/09 for {$10000.00} XXXX Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
I am an admin at a company. The bill collectors call for a particular employee and asked to speak with him or his wife ( Who is not employed by us XXXX. I have explained to them that this employee is not reachable through the number they are calling, and asked them to end the collection calls at this number, but they continue to call. The callers also refuse to explain what company they represent, which makes it impossible for me to submit a written Cease of Communication. 
After a Google search, I was able to find the Credit Company online, and I will file a cease of Communication with them ASAP. That being said, prior to me sending the Cease of Communication, their tactics were harassing and unethical. 
The Company : Flagship Credit Acceptance XXXX, PA XXXX
My wallet was stolen in XX/XX/XXXX-XX/XX/XXXX and a collection bill for XXXX XXXX XXXX, an auto loan from XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!
I had XXXX student loans open with Navient at varying interest rates. I enrolled in auto debit to take advantage of the interest rate reduction offer. I also worked to pay down my higher interest loans first and have paid off XXXX of my highest interest rate loans so far. However, when I make additional payments to a loan I am paying down, my auto debit payment is not allocated properly. When I make a payment on a higher interest loan, the normal amount is still deducted from my bank account for the auto debit, but this amount is only partially applied to the loan it is specified for. Most of the money deducted from my bank account is allocated to lower interest rate loans rather than putting the money towards the high interest rate loan I am working on paying down. 

For example, let 's consider I am paying down loan XXXX out of XXXX loans. When I make an additional payment to loan XXXX the auto debit for loan XXXX is then allocated to loans XXXX-XXXX along with the normal auto debit payment amounts for loans XXXX-XXXX. This is essentially keeping the principle with higher interest rates high while sending the money to lower interest rates loans. I have called and complained about this. I am currently paying down another high interest rate loan and I had to request to remove the loan from auto debit ( and accept the higher interest rate ) so that I can control how my money is allocated.
I purchased XXXX XXXX XXXX with {$2000.00} down payment and financing for {$7000.00} from American Credit Acceptance. Due to financial difficulty I could n't keep up the payments. I decided to Voluntary Surrender the car on XXXX XXXX, 2017.
American Credit Acceptance sold the car at Auction for {$2.00} leaving a deficit of {$5000.00} still owed on car. American Credit Acceptance sold the XXXX XXXX XXXX for {$5000.00} under the Fair Market Value of the car. Also American Credit Acceptance did a Charge off for the car so they can Deduct the total cost of {$7000.00} for the car. American Credit Acceptance did n't try to recoup the Fair Market Value of the car.
Therefore I want an investigation into Fraudulent Conduct by this company to try to make Double what they were owed on car.
I want Justice in this matter because they are not only During this Injustice to me but Thousands of other Customers they have and they have been getting away with it.
Waiting to hear from you.
XXXX XXXX
US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I  was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX  balance becuase they were paid by both my insurnce company and the at fault party.
I just recieved a letter in the mail from chase stating that I applied for a XXXX XXXX visa signature account when I didnt. It also says that they didnt approve the request. I already know my credit isnt great. So I know not to apply for these types of things. I went to check my credit report since it said that XXXX XXXX looked it up and its on my credit report and Im concerned that someone is trying to steal my identity.
On Tuesday, XX/XX/XXXX the CHASE mobile app reflected an available balance of {$110.00} reflecting three small transaction that were subtracted from my available balance. 

Obviously the funds were there to pay for these three transactions. 

The very next day, XX/XX/XXXX, my account reflected that a larger item had also been presented to the account and the bank took it upon themselves to re-arrange the order of the transactions resulting in overdraft charges of {$130.00} rather than the {$34.00} overdraft fee that should have been charged for the ONE item that was presented when the account balance was too low to cover it. 

I was charged {$34.00} for a {$14.00} transaction I was charged {$34.00} for a {$20.00} transaction I was charged {$34.00} for a {$110.00} transaction All three of these transaction were covered by my available balance the day they were presented to my account.
Account was paid in XX/XX/XXXX. Credit Systems International opened the account in XX/XX/XXXX. I paid this debt in XX/XX/XXXX. I applied for a credit card and I was denied because Credit Systems International began reporting the debt for the first time in XX/XX/XXXX. One year and 10 months after payment was made on the referenced account. Initial account was sent to Credit Systems International in error due to billing problem from the hospital back in XX/XX/XXXX. I was never aware I had an outstanding payment. The moment I was informed, I paid the bill. I called to inquire about negative reported item. I was told I owed an additional {$190.00} to stop the negative reporting. This is fraudulent and I was told in XX/XX/XXXX I owed {$170.00} which was paid in full.
I have been receiving calls from this company, I did not know who was calling me because everytime they call no one answers. I called them back and talked with some lady, and still didnt know who they were, she said it to fast and unclear. I just told her someone keeps calling my number, but don't say a word, I would like them to stop, she said ok and will have it stopped. On Thursday they called me again twice and both times would not answer me when I said hello ... this harassment has happened before. Including XX/XX/2018 XXXX XXXX and XXXX XXXX  And XX/XX/2018 XXXX XXXX and XX/XX/2018 XXXX XXXX and XXXX XXXX
For the last XXXX years, every morning, XXXX days a week, at XXXX Ocwen calls the above number. We do not answer because we have a representative that is handling all communication with the lender. Ocwen has been instructed a number of time to please contact that representative, but continues to call every morning even though our representative has been in contact with them on a weekly basis. Ocwen never leaves a message. They call repeatedly in the mornings. One call after another, then they attempt to reach me on my cell phone from an unlisted number throughout the day, and do not leave a message. Yesterday, morning, XXXX/XXXX/2015, I answered the phone. I let them know that I have written a letter to the XXXX of Ocwen regarding our situation. I said I would not speak to anyone until I received an answer to that letter. I asked that they not call again, or I would submit a harassment report. The calls continued throughout the day and again this morning.
I have applied multiple times for the XXXX XXXX and because no one at the bank calls the number on my Fraud Alert they decline application as unable to verify identity.
I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS XXXX XXXX Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all three of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report ( seen attached from my most recent credit report. ) XXXX XXXX
XXXX XXXX, 2017 Notified by paypal my account was under review and they were suspending all funds ( {$5000.00} ) for review. I use paypal to collect rent, and they requested contracts to verify. Contracts attached below. I submitted on XX/XX/XXXX. <P/>XXXX XXXX, 2017 I receive notice that my account transactions are suddenly considered high risk, that they had run my credit ( XXXX ), and would be withholding all of my money for 90-180 days, as well as 15 % of any new money coming in, at which point I will receive 15 % of it. There is no opportunity to appeal, no decipherable reason for this sudden decision for a transaction I have been doing for years without incident or complaint. Paypal contacted my tenants, who confirmed the contract and amounts, still, my funds are frozen. <P/>XXXX XXXX, 2017 I received another email from paypal alerting me I would not be able to appeal the decision until XXXX XXXX, 2017, and can not request a review until XXXX XXXX, 2017
I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization.

As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act.

But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

I have attached for your review my dispute letter I sent to this company earlier and my FTC report
When I filed my XXXX Tax refunds direct deposit for IRS ( Federal ) and California Franchise Tax Board ( State ), I omitted the last XXXX digits of my bank account number. The bank involved is Bank of America ( BoA ). I contacted the IRS and BoA immediately after I noticed this problem but the bank is irresponsible and refuses to take any action even though they received my detailed notice and also the request from IRS. 
I informed the bank about my problem on XXXX XXXX, XXXX and notified IRS and California Franchise Tax Board on XXXX XXXX, XXXX. The bank representatives confirmed me that both deposit transaction slips ( for my tax refunds ) have my names on them and the amount matches with my tax refund amount. However to my big surprise, my tax refunds went into another person 's account with a complete different name. The bank should have rejected these XXXX transactions. The internal control of the bank is so bad that it does not review any transactions and refuses to correct the error even though they are informed about the problem. 
IRS sent out their request to retrieve back the incorrect deposited tax refunds on XXXX XXXX, XXXX through the XXXX XXXX XXXX XXXX XXXX by FAX, and the bank should have received the request immediately. However from XXXX XXXX to XXXX XXXX, BoA keeps telling me that they have not received any request from IRS and therefore refuses to take any actions to correct the error. On XXXX XXXX, XXXX, I was imformed by BoA that the bank did receive the IRS request on XXXX XXXX, which is totally contradictory to what the bank told me earlier. BoA told me there is insufficient funds left on that person 's account which received my Tax money. Therefore the bank can not fulfill the fund retrieving request from IRS. BoA should be responsible for this loss. 
I think that the BoA has a very bad internal control system. In addition, when I notified the bank about this urgent problem, the bank refused to take any actions and gave me misleading advice to just wait. This is dereliction of duty of the bank. It is really unfair. As a bank customer I feel very angry, and I want to take my money back.
Complaint is for Capital One Bank, I have my personal & Business Accounts with Capital One. They are charging me fees that I should not be charged. My First issue my debit card is being charged by playstation games and apple itunes they are charging me the fees per transaction. I have not allowed anyone to charge my card with these companies. I have disputed them in the bank they still refuse and decline my dispute. I have called the company that has been charging and capital one on conference call the company has told capital one that they do n't have my information and they do n't know how my card has been charged and the correct way would be to dispute the transaction and they company will reimburse. Capital one has still declined and denied my dispute. I have lost a lot of money in the year with all these charges. I have requested to speak to District Manger a lady at the branch names XXXX XXXX has refused to get escalated to the District Manager XXXX XXXX indicating he has no access to the banking information. I have sen many letter and requests to get a hold of someone to resolve this matter, but no success. 

My Second issue is that in the Business account they are charging fees and tI have set my Saving Account as an overdraft protection to the account. I ask them why are you charging me they are giving me explanations reasons that are incorrect even though they see I am correct.
everytime i try to get my report it asks me a bunch of quistions about loans i have never had then kicks me off when i say none on the quistion. im afraid there is charges that are not mine on there where it will not let me in called and they want me to go threw a bunch of stuff. i want my report where i was denied credit and should not have to suscribe to there web site to get it like i was told i could pay XXXX and get it. under the fair credit act im intitled to know what is on there
I set my credit card to pay via ACH for the XXXX cycle of 2015. Per the vendor, the amount posted of {$6200.00} was declined by my bank. Per my bank, no amount was ever posted against my bank account. Regardless, after getting an email from the vendor, I paid the full amount outstanding on the account as of XXXX XXXX, 2015, {$7700.00}. The vendor continued to charge me interest for the next XXXX months on purchases that were made after the XXXX of XXXX - the date on which I had a XXXX balance. I 've called the vendor to complain and was told that the interest was for " residual interest. '' I explained that I understand the concept of residual interest but that because my balance was at XXXX, there ca n't be any interest on a XXXX balance. I spoke with XXXX other icustomer representatives and Interest in the amount of {$210.00} that the vendor asserted I owed in the XXXX statement was verbally credited back to my by a customer representative and I was told that I would see a credit on my account in the next XXXX days. However, the vendor asserted that even though my balance had been paid down to XXXX, I am still liable for a total of {$190.00}. The maximum amount that was outstanding for the ten day period was {$7700.00}, the total amount due on my account on the XXXX of XXXX, per the vendor. {$190.00} for ten days of a balance at a maximum of {$7700.00} is nearly 100 % interest. Per the 15 % stated by the vendor, I should owe approximately {$31.00}. I have closed this account with the vendor. I have contacted the vendor on XXXX separate occasions about this issue.
I received a medical debt in the mail that was not mine. I wrote the collection agency Ernst , Artmann & XXXX, INC to inform them the debt was n't mine and I was a victim of identity theft. They responded by writing on top of my letter with " this is not a credit account ... '' and again I disputed the debt because it was n't mine and was a result of ID Theft. They again returned my letter I written with a handwritten response on my letter and failed to adhere to the fact the debt was n't mine and a result of ID Theft. This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt. 
I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
The is a defamation of my character, malicious intent and a violation of my FDCPA, CA XXXX XXXX and California Identity Theft Act
As far back as XXXX/XXXX/XXXX, I furnished collection agency Hunter Warfield with proof I was paying this debt to the original creditor via a wage garnishment order. I recently learned this company is still reporting the full amount of the debt as outstanding. Last month, I mailed them a copy of the court document Acknowledgment of Satisfaction of Debt filed on XXXX/XXXX/XXXX by the original creditor showing the debt has been fully satisfied. They again mailed me a form letter, ignoring my documents submitted and listing the full debt as still outstanding and fully due.