WillisBack/dataset-financial-user-claim huggingface dataset:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Central Financial Control & Syndicated Office SYstems per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Medical services were provided in XXXX 2015. Those services were put on a payment arrangement. I did not know that the 3rd party vendor was not a part of those payment arrangements, so it went to collections. The clinic forwarded the wrong mailing address to the 3rd party, so no bills were ever received by me. 

The collections agency called me XX/XX/XXXX ( used my maiden name ), then called XX/XX/XXXX ( by my married name ). We determined that I had never received any bills from their client or from them. I requested official copies of the bills, and was told I would not be reported to collections during the process, however they reported me in XX/XX/XXXX. I did not get anything in writing from the collections agency until I called again in XX/XX/XXXX. Finally in XX/XX/XXXX I was sent the copies of the bills, which was the first time I had received any formal written documentation from the collections agency regarding the debt. I was unable to obtain bills for the services from the client they represent because it was sent to collections. 

XX/XX/XXXX I paid the bill, and they insisted they had not reported me to the credit agencies. At that time they stated they would expunge the debt, which still has not been done.
Tranunion allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX on XXXX/XXXX/XXXX. I wrote them on XXXX/XXXX/XXXX proving identity theft, no response. 

XXXX allowed 3 unauthorized hard inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I wrote them proving identity theft on XXXX/XXXX/XXXX, no response.
XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of watertown now this XXXX thing is now from XXXX -- - origionally did give credit bureau of watertown the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX
I have NO knowledge of this Bank /debt. 
I have NOT opened this account. 

XXXX XXXX/Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Line of Credit Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$210.00} Highest Balance {$210.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor
I have advised XXXX XXXX and XXXX XXXX about my concern. This account was opened by me and I have not authorized no line of credit being opened with XXXX XXXX XXXX.
I keep getting calls from this company ( " Highpoint Assets '' ) for XXXX XXXX ( not me ). I 've asked to be removed from their list several times to no avail.
I moved to a new location and opened a new account for service with XXXX in the month of XX/XX/XXXX. On XX/XX/XXXX I moved in my new apartment and received the XXXX equipment and started my new service with them. When the bill came it was {$260.00} so I called the company to find out why it was so much and the agent in costumer service said it was a mistake and had added an amount from 15 years ago of {$150.00} and should have been charged off so please disregard and a new bill would be sent and so a bill was sent for a lot less, however after that a Derogatory Mark was attached to my credit report for that amount of {$150.00} on XX/XX/XXXX by a company named XXXX XXXX XXXX located in XXXX, Fl XXXX and claim to have opened the collection on XX/XX/XXXX the date stated on my credit report however I've been monitoring my credit report regularly and the Derogatory Mark did not appear until XX/XX/XXXX and reduced my credit from XXXX XX/XX/XXXX to XXXX on XX/XX/XXXX after researching I found it was a bill from XXXX however even so the bill is still way passed 180 days old as much as 4 years 9 months way passed the statue of limitations. It just doesn't seem right or correct to apply a new Derogatory Mark that many years later I'm not sure but legal ramifications may apply.
I had an XXXX at XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I thought my insurance had covered everything. I never received a bill from the XXXX location. 

In checking my credit report online in XX/XX/XXXX, I saw an unknown debt to a " Continental Credit Control ''. I called XXXX   to dispute when they informed me that it was related to an XXXX. I called the XXXX location and they told me the debt had been sent to the collection agency Continental Credit Control. I never received any phone call or notice in the mail from the collection agency either that that there was an outstanding amount owed. 

My frustration is that the original bill was only {$190.00}. I have worked hard my entire adult life to have a stellar credit score.  Now at age XXXX, when I am finally close to buying a property for the first time, I learn that my credit score has been negatively affected by a bill I knew nothing about and would have paid promptly had I been aware. 

I find it outrageous that the XXXX location and the debt collector can take all these actions that negatively affect me in such a profound manner without ever confirming that I even knew I owed the money. Shouldn't someone have at least called me? Or sent certified mail?
Complaint # 1 - Failure of Select Portfolio Services , Inc. ( SPS ) to comply with NY Real Prop Actions L 1304 ( 2016 ) with regards to required proper notice as it specifically relates to a Subprime Home Loan. " Notwithstanding any other provision of law, with regard to a high-cost home loan, as such term is defined in section six-l of the banking law, a subprime home loan or a non-traditional home loan, at least ninety days before a lender or a mortgage loan servicer commences legal action against the borrower, including mortgage foreclosure, the lender or mortgage loan servicer shall give notice to the borrower ( s ) at the property address and any other address of record in at least fourteen-point type which shall include the following ... .. '' The 30 year interest rate for a mortgage in XX/XX/XXXX ; the year the loan was originated was 6.32 %. The interest rate charged at the time of origination exceeded 9 %. Complaint # 2 - Failure of Select Portfolio Services , Inc. ( SPS ) to fully respond to legitimate requests for information - XXXX XXXX XXXX. Specifically, SPS did not respond to the inquiries to the following : 1-Whether there is a pending or planned foreclosure proceeding ; 2-Sufficient proof of debt as requested on XX/XX/XXXX ; 3-If the account is registered with XXXX, state its MIN number ; 4-Copies of ALL endorsements, recording, allonges or other indicia of all transfers since note was signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX. 5-The date your firm began servicing the loan and any previous servicer ( s ) of this loan.
Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations
In XXXX, 2015, Wells Fargo sent me a letter informing me that my student loans can not be paid more than 20 days from the due date. If payment is received more than 20 days from the due date, the due date will not change. For example, if a payment is due on XXXX XXXX, and I make a payment on XXXX XXXX, the payment will be accepted but the due date will remain as XXXX XXXX ( not XXXX XXXX ) which forces me to make another payment in early XXXX to change that due date. The result of this is that it deters me from making a payment every 4 weeks ( 13 payments a year ) and instead, I have to make a payment once a month ( 12 payments a year ). 
Unfortunately, like XXXX of Americans, I live paycheck to paycheck, however, with my salary, I could still afford to pay every 4 weeks. What I can not afford, is to pay more than 20 days ahead and be forced to make a payment in less than 4 weeks so that the due date rolls forward and I do n't face late payment fees. This is a problem because these student loans are front loaded with interest so the only way I can pay down more principal each payment is if I pay every 4 weeks. If I pay once a month, I pay more in interest because it accrues so fast and payment towards the principal balance actually decreases from that of the previous payment. Also, please note that I will likely be paying off these student loans for another 20 years ( at {$190.00} per month ) so not allowing me to pay it off quickly is hurting me financially, while in turn, helping Wells Fargo earn more interest. 
Wells Fargo states that this change is to help the borrower but as I have explained, it only helps Wells Fargo prevent the loans from being paid off while generating more revenue for them, which is unethical. Student loan debt is certainly a hot button issue in the United States as millions of people have accrued enormous amounts of debt to go to college in the hopes for a better life. While the debt is a problem, the bigger problem is the fact that Wells Fargo is creating tactics that make it more difficult to pay off these loans efficiently, keeping people in debt for much longer than they need to be. It is my understanding that the CFPB was designed to help consumer 's like myself, have a voice when they are being wronged by a greedy financial institution. I feel that this is a prime example of what the CFPB is designed to do. I hope that you investigate Wells Fargo as well as any other " too big to fail banks '' for unethical methods regarding the repayment of student loan debt from people who will already be paying off these debts for 25 years.
I had a credit card with Barclays and now the debt is owned by XXXX XXXX from what I am told. The original amount of the credit card was XXXX in which has been charged off by Barclays and XXXX XXXX it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
My spouse passed away on XX/XX/18 after an unexpected illness. They established an executed Living Trust, Power of Attorney For All Assets and Last Will & Testament clearly indicating that I am the sole Executor of their estate. For over 1 1/2 months I have been in contact with Capital One to gain access to my legally owned accounts since they become my property immediately at the time of their death but to no avail. Pursuant to Capital One 's request, I provided a copy of the official death certificate as well as executed copies of the Living Trust, Power of Attorney and Will. However, Capital One claims they do not accept executed Living Trusts even though it is an appropriate legal document. The other 8 financial institutions I needed to deal with readily accepted all of these documents without issue. After numerous phone calls and emails, Capital One required I resubmit my " Letter of Direction '' 3 different times after requesting changes as well as requiring a notarized/executed " Affidavit For Small Estate Transfers Without Probate ''. I have been informed that my " Letter of Direction '' is now acceptable, however, they keep requesting the notarized/signed Affidavit For Small Estate Transfers Without Probate that I have sent to them on 4 separate occasions, please see attached email copies PDF. I am filing this complaint due to Capital One 's unwillingness to resolve this matter in a timely and professional manner.
Spoke with XXXX XXXX at Portfolio Recovery to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/XXXX and final payment was made on XX/XX/XXXX.  I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.
I have a business account with Bank of America and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure.
This complaint arises from the unauthorized use of my debit card for two withdrawals of {$800.00} each ( for a total of {$1600.00} ) on XX/XX/XXXX and XX/XX/XXXX, respectively. These unauthorized withdrawals took place from ATMs in XXXX, Wisconsin and XXXX, Wisconsin, while I was in Illinois where I reside, mere days before my wife went into labor with our son. After I learned of the withdrawals, I contacted my bank, U.S. Bank, to notify the bank of the fraudulent transactions. U.S. Bank asked me to submit a written statement describing the fraudulent activity. Per the bank 's instructions, I submitted a written statement of the fraudulent activity dated XX/XX/XXXX.
By letter dated XX/XX/XXXX, a mere week after I submitted my claim, U.S. Bank sent me a letter stating it had completed its so-called " investigation, '' and in conclusory fashion, denied my claim. U.S. Bank 's shocking letter claims that its investigation " indicates that [ I ] authorized the transaction ( s ) by providing the PIN and card or similar access '' to a non-account holder. 

U.S. Bank 's conclusion is incredible. First, U.S. Bank fails to explain who it concluded that I purportedly authorized to use my debit card, why I would have authorized someone else to drain my account of {$1600.00}, or even a single fact on which its conclusion is based. Second, I was nowhere near the XXXX or XXXX area on the relevant dates. 

After I received U.S. Bank 's denial, I reported this matter to the XXXX, Illinois Police Department. However, the police department stated that it does not have the resources to pursue an investigation into who depleted my bank account, especially since the unauthorized withdrawals took place in Wisconsin and they do not foresee being able to make an arrest in this case. 

In addition and importantly, a representative of the local U.S. Bank branch that I frequent notified me that several accounts were affected after an ATM skimmer had been installed at one of the ATMs that I use, thereby stealing various account information. However, U.S Bank has failed to adequately monitor unusual debit activity such as the out-of-ordinary activity that occurred on my account. 

U.S. Bank 's nonsensical and conclusory assertions denying my claim for the two unauthorized transactions are entirely without merit and should be reversed.
Barclay card " https : //www.barclaycardus.com/servicing/ '' My Balance due date is   XXXX / XXXX /2017, I PAY OFF the BALANCE on  XXXX / XXXX /2017 and wait to clear my account and close on  XXXX / XXXX /2017 without any more charge and use. But Barclay does n't close on that day with   XXXX   Balance and continuous charge me {$7.00} and do n't close until  XXXX / XXXX /2017.     It is unfair to charge customer  with  XXXX  Balance with  an account has no Maintenance fees.
I have a loan with loancare.     They purchased my loan   XXXX   XXXX   XXXX   XXXX   My first payment was due   XXXX   XXXX   XXXX  . Which I made.     My original bank had auto-drafts set up to go to the old loan servicing company,  XXXX .     In  XXXX , an auto payment check was sent to  XXXX . They tried to cash the check and it came back returned. Mind you, they no longer own the mortgage. They turned around on   XXXX   and told  Loan Care I  had a returned check to their company.  Loan Care  too k one  of my payments, I had made to them, and sent it to  XXXX . Now,  Loancare  shows me as being behind a payment. I have argued with loancare over this matter, for 6 months. On  XXXX   XXXX   XXXX , I spoke with  XXXX   XXXX  out of the  XXXX  Florida office for loan care who after extensive research, that I had provided, agreed, that  XXXX  had received a payment that they were not entitled to receive.  XXXX   XXXX  at that point said she would get the matter resolved.      One  month later I called, and LoanCare tells me that the problem is between me and  XXXX  since I was the borrower. If I wanted to be credited I had to contact them myself and get this mess sorted out.     I asked loan care if they were reporting me as being delinquent on my mortgage and  XXXX  from  LoanCare  said, no, I have you good. My wife and I were going to get a car, and when the car dealership ran my credit report, Transunion showed me with  XXXX  negative comments from  Loancare  concerning my mortage.   XXXX   XXXX      XXXX   XXXX   and   XXXX   XXXX   XXXX       I submitted a ticket to have that information removed from my credit report on  XXXX    XXXX   XXXX  . I received an email confirmation that my request had been received and to allow up to  XXXX  business days to research and resolve the matter. Today is  XXXX    XXXX   XXXX    LoanCare ha s not resolved this issue, nor given me a decision, nor removed the derogatory remark from credit report.
I purchased a car-wash card from XXXX XXXX XXXX XXXX in XXXX last XXXX 2015, which I used until the fall when the business was sold to another company, which I was not told. When I drove into the car wash, I learned that I could no longer use the remainder of my prepaid washes. My car was inside the car wash so I had to pay again & was told that they will not let me use the rest of my paid washes. I want a full refund. I was a customer for 15 years.
I have an account with SUNTRUST mortgage since 2005. I have never been late on the payment because my payments are automatically withdrawn from my account. For the past XXXX months i have been charge late fees due to errors in the SUNTRUST mortgage department. I am being told that payment are put in some sort of account because Suntrust reports they did not know where to apply the funds. Their response is very questionable since the draft payment have the mortgage account on it. I have called and have the error corrected in the past. but the problem continue to happen. I am in the last phase of paying off my home and based on evidence based actions from the bank and on my experience, the Bank is making errors so that it will not happen. I am not sure what other options I have since I am soon to be in my XXXX 's and not sure if i will qualify for another mortgage. I am very concern I maybe the subject of elderly discrimination with this bank. Please review my complain and advise what are my options. Also after speaking to the Bank representative, they want access to my account. I am very concern and will not permit the Bank access to my account because of the potential of Banking errors.
See attached XXXX of screens as I attempted to access my dispute XXXX. I filled in the requested information. Then it asks four bogus trick questions ; all of which are " none of the above '' answers. They deny access based on non-existent accounts. This is illegal. If any of those questions are actual, then fraud has been perpetrated. I will go to court with the printscreens to - through discovery - require the questions ' source documents upon which this is based. I filed many CFPB complaints to correct first get my free XXXX report to make corrections. This trick question stuff is unfair and blocks legitimate users from their own accounts. I want all information removed from my reports since none of these questions is valid. Moreover, with a blank credit report, there should be zero problem answering questions since " none of the above '' will always be the correct answer, regardless. As of now I want this credit report mailed to my address and I want all bogus questions removed as well. I want to be able to go online and access XXXX results without a hassle. Question 1 : installment account? No such account. 2. Payment on # 1? No payment is made on a non-existent account. 3. Student loan? No named companies apply. 4. Mortgage XXXX XXXX? No such mortgage exists. many other questions were pur on other attempts to obtain my disputed file. None apply to me.