WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : EOS CCA. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, MA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and EOS CCA has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Complaint Details Within the past month US Bank has incorrectly charged me 13 overdraft fees for a total of {$460.00}. This began because I had placed a stop payment on a check for {$180.00} that US Bank allowed to go through. Since that transaction has gone through I have not been able to recover my account as I am on a tight budget as a single mother of XXXX. Because of these excess fees there is no way for me to get my account back on track and stop the overdraft fees from occurring. I had placed a stop payment on a check amount of {$180.00} that had correctly stopped one attempt at the check, however they allowed the payment to go 2 weeks later, causing my account to go continually into the negative. As a single mother of XXXX I am on a very strict budget so allowing that payment to go through created two weeks of continual overdrafts as most of my bills are set up to come out automatically. I called US Bank on numerous occasions and asked that they not allow transactions to go through if the funds were not there and was told that my account was set up to decline transactions where there was not funds, however this was NOT the case. There is absolutely no way to get my account back into the clear if they are continually charging these excessive fees. I was charged {$36.00} on a {$2.00} transaction. This is beyond excessive. I understand why the overdraft fees are set in place and would understand paying one. But 13? Over one check that should have never cleared in the first place? I have asked for US Bank 's assistance and they have declined
For the last four years Ive been disputing an account by XXXX  on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
I had credit card debt roughly {$3000.00}. My debt had been transferred to XXXX XXXX XXXX ( XXXX ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX SYNCHRONY BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX GE CAPITAL RETAIL BANK, which was another debt with XXXX which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned XXXX for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.
Around XX/XX/XXXX I opened an account with XXXX for a motorcycle. In XX/XX/XXXX, I paid this card off. I was summons to court in XX/XX/XXXXby XXXX XXXX ( company who bought loan ). I was able to prove payments were made and the lawsuit was dropped in XX/XX/XXXX. The amount I supposedly owed was {$6100.00} and I paid {$12000.00}. I checked my credit report and this negative account was taken off ; however, in the past month it has shown up again with a new opened date of XX/XX/XXXX. I have contacted XXXX XXXX XXXX, but they haven't been much help. They refuse to take this off my credit.
I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance, which was the account that does not charge interest.
In 2006, I obtained two ARM loans for investment condos, which I thought were " Interest Only. '' However, my XX/XX/XXXX mortgage bill included a {$620.00} principal payment, which raises my total monthly payment 78 %. Between the two loans, my monthly payment has increased {$1200.00}. The loan Servicer says there was an Addendum to my note at closing that included a provision for adding a principal payment after 10 years. Reviewing the note, I saw that in an Addendum titled " Interest Only Addendum '' there were XXXX sentences that refer to a principal payment after 10 years. The actual Promissory Note and this Addendum both have paragraph after paragraph referring to interest rates ; the starting rate, the amount it can increase, the index, how it 's calculated, maximums, etc. But in the " Interest Only Addendum, '' there were only XXXX sentences that mention principal payments. Further, when the Servicer sent me a letter a month prior to the Principal payment inclusion, there was only one reference to a principal payment, in a table calculating all monthly costs ; escrow, taxes, insurance, interest, etc. Otherwise, the entire two page letter refers only to an interest rate calculation that will change my monthly payment. No mention of a principal payment at all. If the Lender or the Servicer is going to require such a significant amount be added to a monthly payment that results in an increase of 78 %, they should make that fact much clearer and provide information about how such increases are calculated and if there are any limits on such increases, just as they do with great detail regarding interest rates. Also, this Servicer had the audacity to charge me a {$55.00} late fee when I called to find out why they had not deducted the entire monthly payment from my checking account. I found out the day I called was less than 24 hours after the " grace period '' so a payment over the phone would cost {$10.00} and there was a late fee of {$55.00}. All this after I had contacted them numerous times checking on the correct amount of the payment and had a stellar 10-year record of making my payments on time. A very unfair situation due to misleading and deceptive documentation.
I Have been disputing this account named XXXX XXXX for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected. 
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.
I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over 5,000 dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and IC3 complaint for crimes that take place over the internet.
Caine & Weiner ( C & W ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with the City of XXXX XXXX XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the City of XXXX XXXX XXXX XXXX XXXX is considerable. C & W is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California XXXX of Civil Procedure sec XXXX. C & XXXX is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, Cal. Court of Appeal XXXX District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate C & W 's debt collection practices.
Last XX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX/XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX XXXX ref #  XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
I have a checking account with BBVA compass bank One of my credit card ( XXXX ) did a balance transfer of {$3000.00} since XXXX last week and they sent the money to the Bank but the Bank no show my money in the balance I have call them twice but they do n't solve it please help me to find my money Thanks
Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?
I have sent a letter to Experian on XX/XX/2018, stating the XXXX XXXX XXXX XXXX has reported an inaccurate address on my Experian credit report. The address that is on my credit report is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, it is incorrect. When I mailed the letter inquiring about this account the letter cam back undeliverable. I have requested Experian to delete the account. I sent two letters, one on XX/XX/2018, and another XX/XX/2018.
Hi I am contacting you because I have tried contacting transunion about this problem continuously with not resolution so I'm hoping that with your help we can get to the bottom of the problem. My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX I am contacting because transunion continues to report things on my credit report that don't belong to me. They are reporting that I lived at XXXX XXXX XXXX and I have never lived at that address that address is fraud and I want it removed off my credit report. They are also reporting wrongs balances on my credit cards all of them and I would like them all updated with correct information. Transunion also reports several phone numbers associated with me and I have had the same number for the past 15yrs which is XXXX all the other numbers are fraudulent and I want them removed off my credit report at once because they do not belong to me. Also transunion displays two different social security numbers and I have sent them copies of my social security card so that's the only social security number that should be displayed any other is fraudulent and I would like it removed at once. Also I don't want my ssn displayed on my report as I am a victim of identity theft as well as a victim of XXXX XXXX with an order of protection. I am also XXXX  so this is very stressful please help me fixed these inaccuracies in my credit report that me and my XXXX son can get to a safe place as these issues are making my credit score to low to obtain a safe place to live. My ex husband stole my identity as well as my sons and he was XXXX   back to XXXX  for this and the my neighbor XXXX XXXX   burglarized my home and I have a order of protection against him but it doesn't stop the fact that he has already gotten my information as well as my sons. Order of protection was issued by XXXX  towncourt but it didn't stop him because he violated the order so I moved to get my son to safety. I also filed a report with attorney generals office please fix my credit report so that I can get my life back.
TD BANK N.A . has continually reported the wrong first date of delinquency to XXXX. They are reporting the date of first delinquency as XXXX 2010. I have disputed this multiple times.
I have been in contact with ( XXXX XXXX XXXX ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. XXXX XXXX XXXX agreed to remove debt from my credit report as of XX/XX/XXXX.  This action has still not been done. i have called into XXXX XXXX XXXX on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : Pendrick capital partners Original creditor XXXX XXXX is still showing from the collection company XXXX XXXX XXXX.
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING REGIONAL XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX XXXX REPORTING XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
XX/XX/XXXX, I received a balance transfer offer from USAA for my XXXX card. The balance transfer offer {$0.00} introductory APR until XX/XX/XXXX. The offers expiration date XX/XX/XXXX. I made two balance transfers which posted onto my XXXX card on XX/XX/XXXX. The first transfer was the amount of, {$4500.00} and the second transfer was for, {$5300.00}. 

However, when I received my XX/XX/XXXX, USAA XXXX XXXX statement I noticed the interest charge on the balance transfers was posted. I called USAA on XX/XX/XXXX, and spoke with a representative. The representative told me the balance transfer that I completed expired. NOTE : I have the balance transfer letter that USAA sent to me with the balance transfer information. Clearly I completed the balance transfer before the offer expired.
I had an HSA account with Wells Fargo for the past several years, and a few months ago, Wells Fargo notified me that they were closing their HSA business and that they would be closing my account and sending me a check for the balance. I subsequently got a call from Wells Fargo XX/XX/XXXX asking me if I would like to have my HSA automatically transferred to XXXX since they were selling their HSA business to them. I asked specifically about fees and he said that there is a monthly fee, but it is waived for balances over a certain threshold, which I met. So I then agreed to have it transferred. 

I just checked last Wells Fargo statement and I was charged a transfer fee of {$430.00}! At no point did the representative mention this fee even though I specifically asked about fees. A {$50.00} fee would have been unacceptable given that I did n't agree to any fee and I should n't have to pay a fee just because Wells Fargo sold this business to XXXX. A {$430.00} is just predatory. I could have rolled my balance into my other HSA for free, like I was planning to until I got this call from the Wells Fargo representative. 

I have contacted Wells Fargo regarding this fee, and they have directed me to XXXX since they no longer have the HSA business, even though the fee was charged by Wells Fargo.