WillisBack/dataset-financial-user-claim huggingface dataset:
I am current member of XXXX, XX/XX/XXXX I received an alert stating I have a new credit inquiry. Since, I am currently in the process of pre-qualifying for a home, I was very curious to see why there was an inquiry on my report. The name of the company is Clarity Services, there is currently an inquiry from them on my report. I distinctly remember the day before I unsubscribed from a least XXXX places in my email that were asking me to finalize payday loans. I attempted to contact Clarity Services on more than one occasion, each time I was on hold to speak with a representative for at least 30-45 minutes. I want the company to provide me with proof that I authorized them to access my credit report.
I keep getting voice mail messages from Receivables Outsourcing LLC for a XXXX XXXX. Every time I open my phone I have another voice message. I have called the company twice and told them there is no XXXX XXXX at this number any more. I have had the phone number for approximately 4 years. I told the company to stop making calls to my number. I am still getting voice messages from them.
This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers.
In XX/XX/XXXX I contacted Wells Fargo for the purpose of trying to renew my current loan modification that would come due in XX/XX/XXXX of which Wells Fargo told be in XX/XX/XXXX I would be able to renew again in XX/XX/XXXX. I was assigned a representative from the Executive division named XXXX XXXX who assured me that Wells Fargo would give me a decision well before the XX/XX/XXXX maturity deadline so that I would have time to seek other options if needed to pay off my loan with Wells Fargo in time. Six days prior to the maturity date, Wells Fargo finally gave me a decision. They stated that since I already had a loan modification, I was not eligible for anymore. The only option they gave me was for a short sale through their department. They then transferred me to their refinance department to seek options there. I was told that the earliest closing date I could get would be inXX/XX/XXXX which is well beyond the maturity date of the original loan. Wells Fargo did not give me any time to have a different option available to me in order to pay them off as they said they would. Also, my coupon slip for my loan only shows a monthly payment owing for the XX/XX/XXXX, date and not the entire balance. My Wells Fargo online account also shows the same thing. When I attempted to make a payment at a branch, they would not accept payment from me even though the payment slip shows only a monthly payment owing. I have a statement from a loan officer at the branch stating that Wells Fargo did not accept payment. I have also attempted several times online to make a payment without success. Because of them not accepting my payment, my credit score has recently gone down XXXX points for 30 days late payment. I am currently in dispute with Wells Fargo about them not accepting payment from me, not giving me adequate time to set up financing after they reached a decision through their executive division, not giving me a written explanation as to why my current payoff amount is approximately {$18000.00} dollars more than the amount stated I would owe in the signed loan modification agreement dated 4 years ago, and reporting me 30 days late to the credit bureaus which have affected me greatly.
I do not have any upaid debt. I have received calls from XXXX on the following dates : XX/XX/XXXX ( twice ) ; XX/XX/XXXX ( twice ) ; XX/XX/XXXX, XXXX, XXXX.
I recently submitted an investigation request to Experian. They were supposed to complete their investigations and respond within 30 days. Well over 30 days have passed, and I have yet to receive my response. I've even sent follow-up letters that have also gone ignored.
Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX
XXXX was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded
XXXX XXXX offers a Mileage Plus Explorer credit card along with Chase Bank. The advertisement on the XXXX website says that if I apply for the card, receive the card and use it, I will receive a {$50.00} credit. I applied on the computer, received the credit card and used it, however, both XXXX and Chase refuse to give me the {$50.00} credit. There is no other condition cited on the website that I must comply with to receive the credit. I called twice and received a letter from Chase, but it makes no sense as to why they refuse to pay the credit to my account.
Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately.
This person has been calling for months claiming to be from the power company trying to save me money on bills. After  XXXX  the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.
My muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.
XX/XX/2018 realized my account was blocked. 
No communication was given to me, no information, not even when I called, just to call next day. 

in the meantime I have at least 3 transactions I made today, thinking my finances were fine, and I will be liable for at least {$280.00} dollars in fees due to checks returned, in addition to damage to my credit. 

this was handled poorly and should always be notified of desitions like that with my money. 

I tried contacting the institution ans escalate to a supervisor, and my called was dropped.
As of XX/XX/2019, my XXXX  credit report shows a debt collection from Midwest Recovery Systems in the amount of {$890.00}. I do not know what this is for. I've not been notified via phone call or mail that I owe this amount and to whom. My credit score has dropped significantly due to this erroneous data.
XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud
My loan was transferred to a new servicer ( UHEAA ) and the new servicer unilaterally reduced my monthly payment without informing me so that my final pay-off date would be in XXXX ( the pay-off date under the note ), rather than ahead of schedule in XXXX. I have routinely paid more on my loans than the monthly minimum amount so that they will be paid off quicker and I will pay less interest. The result of lowering my monthly payment is that I would pay more interest over time.
XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.
Ocwen loans is reporting on my XXXX report has late and with a last payment date of XXXX XXXX. I have n't had an account with this company in over XXXX years. This debate is well over XXXX XXXX XXXX. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe ocwen loans any money therefor it should n't be reporting late payment and balance due.
I am paying for my online credit report thru Transunion and have so for over 2 years now. My online report should show a credit score of at least XXXX by this time.. All accounts are paid for and I have never been late on a payment. I APPLIED for credit and was rejected based on my score ... Online report that I 'm paying for shows XXXX ... They tell the person I am trying to get credit with is a XXXX. Why am I paying for this if its wrong? This is a scam..I want my score to be where it belongs.. back at XXXX..And report it that way..I am paying for something I am not getting!
I XXXX to XXXX XXXX between XXXX. Made several attempts to make a payment at the local XXXX  and was informed that unlike our Exchanges/Expresses in the U.S., a military star card will absolutely be needed in order to make a payment. Without a card, their information can not be looked up in the system. I was also told they couldnt call or contact AAFES from the local XXXX in XXXX. Unfortunately, there was very minimal communication capabilities due to location/security reasons and after these attempts I had no other option but to place on hold until my return stateside. Upon my arrival to the states I sent certified mail, called, emailed and sent fax ( to : XXXX ) -- -email to submit my orders and proof of service location at the time my account went delinquent. At the end of XXXX, near beginning of XXXX, I called in and was placed on an auto pay of XXXX per month that did not cover the complete bill amount. She believes it to be around XXXX monthly minimum at time of the auto pay. I had no late payments prior to deployment and have made several attempts to correct the companies reporting on my account. I was told initially that the late payments would be removed when I called and spoke with with customer service but that has yet to happen. Then i was told repeatedly ignored by the credit disputes department. Now even after showing proof to credit disputes department they keep refusing. In accordance with Congress Legislation S.1249 this violated my rights as an XXXX XXXX XXXX. No late notices or letters were sent to my chain of command which is a must whenever a XXXX is delinquent. Also unbeknownst to me during the deployment because I didn't have access to look up my les during my deployment, I show that monies were deducted from my check which legally according to FCRA brought my account to current status. But some of the payments doesn't show as paid they still show as delinquent to this day. So they failed to properly report even those payments which resulted in years of excessive late payments because someone didn't properly report my automatic XXXX drafts that I had no knowledge of. AAFES is sgowing me that no matter my sacrfice to this Country that during such a rough deployment at no fault of my own refuses to make the proper adjustment to those late payments. Again this violates the Congress Legislation S.1249. According to aafes deployed XXXX  are not required to make monthly payments while deployed and the interest will not exceed 6 %. My time in XXXX was considered a deployment  not a XXXX. It is on my XXXX as deployment and has and always been considered a deployment.
I am filing this complaint against Paragon Revenue Group. They are trying to collect on an account that was paid a long time ago. Paragon Revenue Group never sent me any documents on this alleged debt. They just started reporting a collection account on my credit reports. They never sent me any letters for me to seek validation and or dispute the alleged debt. All this clearly violates the Fair Credit Reporting Act. Plus there is no debt for them to collect on. 

In addition the account Paragon Revenue Group is listing on my credit report is over 3 years old. The account is XX/XX/2012. In my state SC the statute of limitations for both open and written contracts is 3 years. So they are also violating the Fair Debt Collection Practices Act. Please make them quit violating multiples laws by trying to collect on an account that does n't exist. 

In addition
XXXX insurance sent a check to Bank of America after my fire, to be credited to my mortgage account and BAC Home loans cashed the check for {$42000.00} and never credited my account. Then they sold the loan to XXXX XXXX servicing who is now claiming I owe THEM the full amount of my original loan with BOA. Both companies destroyed my credit report and despite my having a copy of the canceled check, that BoA cashed, the credit bureaus wo n't correct the mistake and neither will BoA or XXXX.
Chrysler Capital furnished a fraudulent response to my earlier complaint, and they continue their grossly negligent handling of my account. 
. 
1. They have failed to accurately and fully acknowledge the full extent of the overpayments I am due in a refund. Consistent with the utter stupidity and incompetence of this outfit, they fail to recognize I am due ( a ) refunds of over-assessed tax payments, and ( b ) overpayment of one monthly lease payment, IN ADDITION TO ( c ) the {$590.00} security deposit they refer to in their response letter. 

2 ) They have admitted that after more than 2 solid months, they STILL have failed to do any final accounting of my account. They only NOW promise that they WILL do so on XXXX XXXX, and this is obviously only because I filed a complaint with the Feds. Had I not filed a complaint, no accounting or statement would have been forthcoming.
XXXX XXXX XXXX  shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
There have been several attempts to foreclose in my home without success because of fraud and forgeries. 
XXXX XXXX Circuit Case # XXXX- the plaintiff dismissed the case because of fraud XXXX XXXX Circuit Case # XXXX- Declaratory Case, the judge denied Ditech/ Greentree the mortgage servicer equitable title, equitable mortgage and the ability to enforce the note. 

XXXX XXXX Circuit Case # XXXX even though the plaintiff Ditech knew there was no equitable title, mortgage & no note to enforce a foreclosure was filed again. After mediation the judge told the plaintiff to close the case. 
Ditech is fraudulently selling the mortgage serving to XXXX XXXX XXXX. The mortgage accounts have been removed from my credit report and Ditech told me to contact the title insurance company.
I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XXXX 2017. XXXX XXXX, 2017 I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XXXX XXXX, 2017 XXXX XXXX XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( XXXX, XXXX, and XXXX ) requesting the account be removed. On X/X/2017, upon reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The XXXX representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.
On XX/XX/2017 XXXX XXXX XXXX cancelled our contract, closed my account and tranferred the account to another lender with a balance of {$18000.00}. Therefore, by the creditor, cancelling our contract terminated any obligation due by the account holder.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year.
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , XXXX where I used to live before ). I have been in state of XXXX  since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.govXXXXXXXX, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX