WillisBack/dataset-financial-user-claim huggingface dataset:
National Credit Systems is reporting an account on my credit file that should n't be there. I do not owe The XXXX of XXXX any monies and I have provided this information to National Credit Systems on several occasions. I also asked National Credit System to  provide lease agreement information and validation of debt by letter and also by the original creditor The XXXX XXXX XXXX. National Credit Systems have failed to provide this information on several occasions. I want this debt and account removed from my credit report, this company will call my cell phone and hang up when I answer. It 's against the law to just report a debit without verifying the debt and providing proof. I want to see a balance from the original credit The XXXX of XXXX it will be {$0.00} because I owe them nothing. Please have this fraudulently company remove the following account from my credit files immediately. Can I also file a lawsuit against this company. The will not provide me with a full account number. The partial account number is XXXX amount {$780.00}. National Credit Systems should be investigated and permanently shut down. Please have them remove this account. Please and thanks XXXX XXXX
I had a car loan on a XXXX XXXX in XXXX from Capital One. I believe in late XXXX or early XXXX I had to file Chapter XXXX due to having an acute XXXX. The amount owed on the car was approximately XXXX, but due to filing Chapter XXXX, the amount was dropped to the value of the XXXX XXXX to XXXX. XXXX XXXX, XXXX, I got into XXXX which caused me to also lose my job. I could no longer afford making my bankruptcy payments, and my car was totaled. I ended up paying my car off as an agreement between my attorney and Capital One in the amount of the approximate XXXX, however Capital One is now saying that I still owe the difference, of approximately XXXX. I am now on XXXX because of XXXX the accident caused. Capitol One is not honoring the agreement they made with my attorney and it shows as a negative on my credit report each month.
Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
On going saga. Insufficient funds in my checking account due to increase in my tax escrow created runaway train with Wells Fargo. Went to the bank to resolve the problem,, deposited the monies to cover the insufficient month of XXXX and also deposited XXXX 's payment to cover that month as well as that was coming due. Was told account was brought up to date and all was well. The bank representative failed to tell me that Wells Fargo closed out my auto pay connected to my checking account and ... XXXX what she should have advised me at that moment was to just " make the payment '' as depositing it would be futile ( not sure why they shut my auto pay down, seems NOT what you want to do if you are trying to obtain a payment ) they had no explanation. Anyway because of the banks failure to service my loan correctly and inform me of the shut down, I have received late penalties and they have reported me to the credit bureau reducing my credit score by XXXX points I have a thirty year mortgage history with no late payments. ... until Wells Fargo ruined it. This was an internal mistake on their end and they need to reverse it and thus far have refused to correct their mistake. I am willing to pay the penalties, but the credit score thing is very upsetting. They need to own up to the fact that they did NOT notify or inform me of the close down of the auto pay at the branch, and additionally a disclosure informing me of this was rec 'd by me the XXXX of the month ( XXXX ) when I expected withdrawal to occur on the XXXX, ( 10 days after ) as that is how my mortgage is set up with them. This bank is an on going nightmare. So frustrating .... Classic case of insult to injury.
I have an account reporting on my credit report with your credit bureau as of XX/XX/XXXX. This account from XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/XXXX. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. 

When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report from XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/XXXX and the account has been approved to be deleted off my credit report due to incorrect reporting. 

**PLEASE SEE LETTER FROM XXXX XXXX   ENCLOSED **
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX   XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously
I have asked the collection agency as well as the hospital that sold the debt to provide me with paperwork that shows why I went to the emergency room and a summary of charges so that my insurance provider can correctly pay the amount owed. The hospital stated that I did not have insurance when in fact I do have insurance because the same hospital was able to get the physician charge settled through my insurance. I have called both the hospital and the agency to get this taken care of and to do get the correct paper work so that it can be settled and have been given the run around. As a result this has been placed on my credit report as a negative marking and has impacted my credit score because of it being considered a collection account.
This is related to complaint XXXX The issue with Santander has not been resolved. Santander took my XXXX XXXX XXXX payment and applied it to the loan. This shouldnt have happened ; since mortgage payments are made in advance only interest for XXXX XXXX through XXXX XXXX XXXX should have been charged. I was charged XXXX in interest plus an additional partial interest payment of XXXX presumably for XXXX XXXX through XXXX XXXX XXXX dates even though my loan was paid off on XXXX XXXX, XXXX. The XXXX XXXX, XXXX pay off date was confirmed by Santander. This practice is outrageous, deceptive, and if it isnt already, should be criminal. Why is principal and full interest for the month of XXXX being applied to a loan that was paid off in early XXXX, as well as additional interest being applied? 
I request the following : The additional refund outlined below be returned to my Santander checking account no later than end of business Friday, XXXX XXXX, XXXX. The XXXX interest is owed back to me, as this was an interest calculation for the full month of XXXX, and I was already charged a partial interest payment of XXXX. 
A detailed explanation of the partial interest calculation on what ending principal balance- although it should be for the XXXX ending balance of XXXX as well as how many days interest the calculation was based on. 
A full refund of the so called XXXX payoff and XXXX mortgage release fees because of this nonsense Santander is trying to pull.
If Santander does not comply with the above request by Friday, XXXX XXXX, XXXX deadline, I will be sue the bank and go public with this story. 
In regards to Santanders letter dated XXXX XXXX, XXXX it doesnt matter that I didnt contact them to cancel the pre-authorized monthly payment- the payoff should have been calculated on the ending XXXX balance, and not handled such a underhanded manner. Further, I dont believe that it takes ten days to clear a check from a nationally known, reputable lender- another load of baloney.
Taking out the loan with Santander Bank was a terrible experience closing on my home was significantly delayed because Santander kept requesting additional information that had not been previously requested and now closing/paying off the loan has been even worse, as Santander is trying to cheat me out of money. Santander does not treat its customers well and practices incompetent and deceptive practices.
I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX  on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. 
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 
If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. 

XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.
My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
On   XX/XX/XXXX   I went to Citizens Bank to open up a HELOC. I was clear with the bank representative at the time that I just wanted to open up a HELOC and was already doing the rest of my banking at another bank. I did not want to open any additional accounts.     The bank representative said he could do a few things to help reduce my interest rate, which included :  1. Opening a checking account 2. Opening a savings account 3.  Making an initial withdrawal from my HELOC and then immediately depositing it back At the time I was hesitant as the bank representative did not seem completely knowledgable, as if they were new to the job.     They proceeded to open the checking and savings account and then withdrew {$25000.00} and immediately depositing it back. I again reiterated that i do not want to do any banking with Citizens and said I was not going to use these accounts at all and did not want to pay any fees for these accounts.     I am almost  XXXX  y ears old  and have never paid a bank fee in my life. It is a fundamental concept for me to not pay any bank fees.     The bank representative stated that the checking fee did have a monthly fee but that if I deposited {$1000.00} into the account it would meet the minimum to avoid the fee. So I reluctantly deposited the {$1000.00}.     4 years later, in   XX/XX/XXXX ,  I received a letter that my account was overdrawn. I called the bank and they explained that I was assessed a {$20.00} fee per month for 4 years.     I complained the bank and had series of frustrating interactions that had several inconsistencies, with bank representatives telling me one thing at the branch and another on the phone. I explained the situation and they ended up refunding me {$280.00} of the {$1000.00}. I have since closed all my accounts, including the HELOC.     I feel that Citizens Bank opened fraudulent accounts that I did not want and mislead me with the description of the bank fees. This seems very similar to the    XXXX   XXXX     incident where several accounts were opened for people to hit some sort of quota or bonus for the branch. Furthermore, the immediate withdrawal and deposit of {$25000.00} by the bank representative further shows some manipulative transactions.
On Thursday XX/XX/XXXX I submitted two checks electronically ( I had left my debit card at a friends and had n't retrieved it yet ). Throughout the weekend and into Monday of the next week I used my card. The eclecteonic checks showed pending over the weekend and I was under the impression my account wa seer up that if I did n't have the funds my card would be declined. My card was not declined throughout the weekend. During Monday night processing, the debit card transactions all posted but the bank then posted the checks after the debit card purchases. Even though they had be submitted prior. I called the bank to dispute the fees because the ACH transactions had appeared on the account when purchases were made yet posted after the debit transactions. The agent ( and manager I spoke with ) said that posting order had been changed and now checks posted after debit card transactions. ( Which is think is predatory since they can no longer charge fees for debit card transactions that they authorize if funds are n't available. ) Neither the agent or the supervisor knew when the posting order had actually changed and when I asked the manager XXXX to speak with her supervisor about it I was told that I could n't speak to them and they did n't speak to customers ( I looked at the banks published information online as directed by the supervisor and qouter to her what the online materials said and she argued that that information was incorrect and that I must be looking at the wrong banks information ). I have since been charged another fee for sustained overdraft.
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/XXXX- XX/XX/XXXX and I have NEVER been late. XXXX acceptance made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
XXXX XXXX, XXXX United Collections Bureau , Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, sent me a letter trying to collect the unknown balance link to my XXXX XXXX credit card which is active open. 
When I called XXXX on the XXXX XXXX card XXXX around XXXX PM my cell transferred me to the United Collections Bureau above and confirmed the balance of XXXX with asking minimum due XXXX. 
I ask the one with the collections info about the transactions details he list them quick, but when I confirm that whenever I use this card I tried to pay within 30 days to escape the interest, and always paid off, I have proofs. He said my account is closed last year XXXX XXXX, while I see that my account id still open active, only not with the chip as It should be. So I said the recorded conversations via my cell phone is always under recorded by the government becasue I am still waiting for the investigation with help of the XXXX for the Fraud ID theft trying to make paper from the XXXX XXXX XXXX to ask me for XXXX XXXX, I did report all to the so they can help track down the guy, from XXXX XXXX. Then the collection guy said that my account is closed since XXXX XXXX? 
My ftc case reference number is XXXX
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were XXXX in bankruptcy and the others transferred to XXXX. I spoke with someone XXXX/XXXX/XXXX about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
I have requested numerous times of verification of the amount of a debt SYNCB bank is reporting on my credit report. 

They said they sold the account and have not records to proved the amount or details of accounting of this debt. 

If they do not have any documentation contract, billing etc then they are in violation
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Lived at an apartment complex five years ago. Gave 60 day notice and moved to new apartment. Have lived in several places since then. Looking for new apartment currently XXXX XXXX 2015 XXXX, and with credit report old apartment complex says I owe almost $ XXXX as of XXXX 2015. This is incorrect and needs to be deleted. I was not informed, taken to court, and I have n't been there in five years. Credit report is showing as of XXXX 2015. Incorrect date and fraudulent charges.
My stepson used my ss # to obtain XXXX different loans. He lives in XXXX, I 'm in XXXX. He originally asked me if I would Co-sign for a {$1400.00} Loan and had my ss #. Then I found out it was for a {$4000.00} loan. He asked me again for my ss # for a second loan and I refused. He used it anyway and now is not repaying. This happened around 7 years ago. I filled out a fraud report and filed a police report and told the loan person I would follow through. They investigated and refused to take me off the loan. I never signed anything. I think he did this loan over the internet, but not sure. The loan company has never sent me anything with my signature. I had very good credit, not it 's ruined because of this irresponisble sneaky XXXX year old who lies constantly. He has blocked me and his father so I ca n't communicate with him.My husband does n't work ( XXXX ) and I only make {$36000.00} per year. My husband has XXXX per month retirement. I ca n't make the loan payments and now my credit is ruined. Please help me. The loan company, when I spoke with him on the phone was rude and said it was my word against his.. Can I get this removed from my credit report? I believe the total bill is around {$11000.00} for both loans he took out. I have been dealing with this for so long and would n't turn him into the police as long as he paid. But he wo n't pay any longer so I had to turn him in. I do n't know what to do anymore. This is not right. Please help me. Thank you so much!!
I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you.
Company : Navy Federal Credit Union ( NFCU ) At the time we applied for XXXX XXXX XXXX XXXX card, appx. XX/XX/XXXX, we were eligible for a promotional balance transfer rate of 0 % for 12 months. When we received the card, appx. XX/XX/XXXX, we called to inquire about how to take advantage of the offer and were told to initiate the balance transfers online through our NFCU account and the promotional rate would be automatically applied. We were never told that the promotional rate was nearing expiration and were never notified the promo rate had expired when the balance transfers, in the amounts of {$12000.00} and {$10000.00} ( total {$23000.00} XXXX posted to the account appx XX/XX/XXXX. 
We did not discover until just a few days ago when I went online to schedule a payment, appx. XX/XX/XXXX that the promotional rate was never applied. I only noticed this when the balance seemed higher than it should have been. It took me several minutes to navigate their online system to find my statement, but when I did locate it, I saw there was no promo rate. When we called to inquire, we were told we had to submit a formal request/grievance for an exception, which after indicating it " probably wo n't be a problem to fix it, '' we were notified today, XX/XX/XXXX was denied. Their reasoning was 60 days have passed since our balance transfer was initiated so they were not honoring their offer. 
We feel this is unacceptable. We were not notified at the time we called to ask about how to take advantage of this offer that the offer had expired or was nearing expiration and thus followed the instructions we were given by NFCU staff. We were also told at the time we spoke to a representative that if we had any issues with the promo rate not applying automatically, to call and it would " be taken care of, '' which we did immediately. Then, after we were told it " probably wo n't be a problem to fix it, '' they denied our very reasonable request. 
We feel we have been essentially duped into paying HUNDREDS OF DOLLARS in interest and I have notified NFCU that I am submitting a formal complaint with the consumer financial protection bureau.
I have a debt collection recently added to my account, but I do not know what it is. I contacted the collection agency and the information they provided is not mine. The first time I heard about this debt was when I saw it on my credit report. I disputed this with the credit bureaus and XXXX  denied the claim whereas XXXX  removed it from my credit report. 

COMMONWEALTH FINANCIAL SYSTEMS Account Name Collection Account Type Individual Responsibility XX/XX/2018 Date Opened Collection account. {$710.00} past due as of XX/XX/2018.
Without and prior notice my mortgage payment went from {$770.00} inXX/XX/2018 to {$780.00} in XX/XX/2018. I called Pen Fed Mortgage Company this morning and was told that the payment had been increased by a decision made by the company in XX/XX/2018. I was told that the escrow payments were increased and that the new amount was due to tax and insurance increases. I asked the lady whether the company bothered to send a notice of increase and she said that there was no notice sent on record. I am totally bothered by the fact that this company can just raise the amount collected from direct deposit without notifying me of any increases.
I sent two letters via certified mail,  one  to  XXXX  and  one  to " Debt Recovery Solutions ''  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX , regarding the same debt ( {$170.00} ) asking both to verify the debt.  XXXX  did not respond. Howev er, Debt Recovery Solutions sent a copy of an old bill as " verification '' of the debt. This debt was previously discharged in bankruptcy. This negative mark has been on my credit reports for months causing harm to me. I have asked " Debt Recovery Solutions '' to remove this from my reports to no avail. I am prepared to file suit against this company, but would am attempting by other means to try to resolve it first. The bottom line is that the debt is not owed. Debt Recover Solutions is reporting false and inaccur ate information on my credit reports.