WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.
Equifax did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.
On XX/XX/2017, I received a debt collection letter from Professional Bureau of Collections of Maryland , Inc. regarding XXXX XXXX XXXX XXXX in the amount of {$120.00}. The letter is dated XX/X/2017. 
I have never agreed to contract, nor purchased anything from XXXX XXXX XXXX ever. I visited a personal trainer, XXXX XXXX, at this gym over a year ago, but paid HER for her services. I asked her today if she signed me up for anything, she said no, and to file a complaint with the Attorney General.
Transunion has fail to provide me with proper information regarding negative collections on my account. Also, Transunion has verify accounts that have been closed or sold out but have recent payments of {$50.00}, {$30.00} or {$100.00} dls payments.
I recently disputed a collection account on all 3 CRA with JH Portfolio Debt Equities several times and the account continued to remain as debt owed. I also filed a prior complaint due to not accurately updating my information on my credit report as I am in a Chapter XXXX bankruptcy. The company responded with the date they purchased the debt and also uploaded 3 credit card statements that had nothing to do with when the validation of the debt took place. 2 out of 3 of the statements you uploaded are not my current mailing address. The response also stated I filed a dispute prior to JH being notified, I notified JH after seeking an alternate number. I spoke with a customer service representative and provided the necessary bankruptcy information and the company continued to respond to XXXX as debt owed. Pull your company recorded lines to verify you dropped the ball on this. I would also like for the company to provide accurate information on when and where letters were mailed and how they attempted to collect this debt. I never received any information from JH Portfolio to dispute. I am not seeking credit card statements, I am seeking information on when a validation letter was mailed and it must be verifiable.
I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.
I had this problem with PHH Mortgage some years back. They started again on XX/XX/2018, the caller says that this is an attempt to collect a debt, and that the call is being recorded. I am not behind on my mortgage and the payment is not past due. My payment history is good for the life of this loan.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX-XXXX-XXXX Company Info : Account # XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX I have never done business with Portfolio Recovery XXXX I do not have a signed contract not any contract with Portfolio Recovery Associates. I have the right to demand to see a signed contract between Portfolio Recovery and myself
CFPB, per our past attempts to correct Experian 's non sense, non compliance with the FCRA and their willful non compliance to the FDCPA regarding inquiries that we did not approve of nor did we give anyone at XXXX XXXX or anyone else for that matter approval to check my credit report for any reason, and after contacting XXXX   XXXX and they responding with advice to put a credit alert on my reports which I have done, to insure no one checks unauthorized my reports, I've noticed that Experian continues their practice of non compliance to state and federal law. 
This problem needs to be dealt with more harshly because of Experians non compliance with these laws, because as of today XX/XX/ they have done nothing to remove these inquiries that I did not approve of. They haven't shown one shred of evidence that I or anyone in my house approved anyone to look into my credit report, not one shred of evidence, not one signature, not one contract, no nothing and yet they still insist on lying to me and to you concerning this matter. Therefore, we are requesting a strong investigation into the practices of Experian.
To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.
I am writing you concerning that fraud were committed at XXXX 's Store  # XXXX, XXXX XXXX FL. 
XX/XX/XXXX I came in to this store and made a CASH payment toward my XXXX 's XXXX account for the amount of {$1300.00}. 
That amount reflects on my monthly statement. However also is showing on my statement an Adjustment/charge for {$900.00} on XX/XX/XXXX in the description Field it says Payment. 
Therefore the payment of {$900.00}. was reversed without any action on my part. 
I have already attempted to resolve this problem at XXXX Store, filed incident report with customer care department, and dispute transaction with XXXX XXXX. XXXX store is stating that they have done nothing wrong and sending me to the XXXX XXXX. XXXX XXXX is sending me to the XXXX. 
Unfortunately, the problem remains unresolved. I look forward to your reply and a resolution to my problem.
i sent a debt validation to united recovery corp in XXXX, they never responded with verifiable proof and documentation that im suppose to pay, its XXXX now and they still reporting on my credit file
Since 2014, fake companies have been taking money from my account. It 's always been small amounts, approx XXXX-XXXX each time and about twice a month. I went to my bank branch and filed the claims for. XXXX checks, was reimbursed right away for XXXX checks ( within 90 days from when I filed ) and now the bank is saying they are n't giving me the balance of those checks. The way I realized this was when my account was over drafted when they took the money outs. None of these checks are signed by me, they are all singed. By my email address.
I received numerous calls regarding a debt that I owed to a college I attended. When receiving those calls my personal information including my ssn was requested in order to verify the account. I advised numerous representatives that I would like the information in writing. Due to being leery of scams and identity theft, I would not supply my personal information to an unknown source. When I did not receive any of the requested information, I contacted the school to find out the name of the collection agency my account was referred to. I was provided a different name other than Enterprise Recovery Systems. I then started making payments to the school directly thinking the company was not legitimate. Enterprise Recovery later placed the collection account on my credit report ; I disputed it because I was never properly informed of the debt. After the dispute was filed, I received notification of the outstanding balance via mail ( today. ) I contacted Enterprise and the representative advised there were numerous calls but my identity was never confirmed. I explained that was correct because I would not give them my ssn via telephone. I advised her that I will be paying the balance in full and requested the collection be removed from my credit report due to lack of and improper communication. She advised they wo n't remove it they will only place paid in full on my report which I think is unfair.
I have requested for the company to send me a copy of original contract bearing my signature to validate that I am legally liable for the debt. On XX/XX/2018 I fax the company IC SYSTEM, a validation of debt. I have not received any responds from I C SYSTEM, they continue to report the credit agency. This a clear violation of The Fair Debt Collection Practice Act. The company had 30 days to validate the debt.
I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. 
The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : XXXX XXXX
My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask.
XXXX for Navient XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.
Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on?
XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  This  inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
My servicer is Granite State Management Resources ( GSMR ). First, they removed the checkbox for " Do not advance payment date '' from the online payment interface, so that overpayments were automatically applied to future payments, rather than to reducing principal. In order to access the option, you had to make a double payment. Then, the removed the box altogether, even for more than double payments. In order to have your payment applied to principal, you had to follow up with an email through their online " Contact Us '' form. Then, several days later, they would reapply the payment to principal. They did not allow you to make this a permanent request, you had to follow up after every payment. After making my payment today, I attempted to follow up online through their website, but the online contact form is now gone. You have to follow up by phone ( M-F, XXXX XXXX ; conveniently, I am on XXXX ), mail, fax, or they now have a " Visit Us! '' option with an address in New Hampshire. Really?! This is ridiculous. I have been trying to pay off my loans as soon as possible, but GSMR keeps increasing the difficulty to do so. When I have spoken with the servicer on the phone, I have always questioned these changes, and requested that they reinstitute the options that make repayment easier and simpler. They are not interested in this feedback.
CBA reported multiple derogratory remarks on all three credit bureaus reports about a debt with XXXX XXXX XXXX At the time of service, I had active medical coverage through my job. I should have never been charged for services while having adequate medical coverage that covered all procedures done.
My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.
I put a fraud alert on my credit records with XXXX, since they told me on the website that my data was compromised. I arranged to put a fraud alert on my records, which XXXX said would be shared with XXXX and TransUnion. I received a letter dated XXXX XXXX, XXXX telling me that the alert had been effected and that I should receive notification from the other 2 agencies. I had received an email confirmation from XXXX that the fraud alert was in effect. The letter from XXXX said that I should receive written confirmation from both of the other 2 reporting agencies and to contact them at the telephone numbers provided in the letter if I had not received such confirmation. I telephone TransUnion on XXXX XXXX, XXXX and, after wading my way through menus, finally got a human who confirmed that the alert was in place. I asked for written confirmation, either by letter or email to confirm that. I was told that they, TransUnion, was not providing any such confirmation and the only thing she could do was to give me my file number so that I could check in the future to see if the alert was in effect. XXXX told me that TransUnion is required to notify me in writing of this alert being in effect.
I am not certain that you are the correct contact or if you could assist me in finding the correct department. 

I have a {$5700.00} check that I just found un cashed in a file. The check was issued by XXXX Chase Bank which is now Chase. I have sent the bank copies of the check and have spoken to several departments and they ultimately told me to check unclaimed property in Georgia and if the funds were not there they could not help me. I was told that they do not have to re issue stale checks or honor them, and also the records from 10 years ago were no longer available. 

These funds were not in unclaimed property, but as I understand it XXXX Chase or Chase would have been responsible to deliver the funds to the Georgia Treasury after three years. And their non compliance with this rule could result in fines for Chase. I simply do not know where to begin. 

The house which was re financed is in XXXX, GA, my husband and I are still married and live in this house. I even went through my bank statements to look for having possibly deposited the funds in some other manner. I actually did not have all statements, but of the ones during this time frame which I do have do not indicate that this was the case. 

Honestly, it would seem that the burden of proof is on Chase, as I clearly am in possession of an un cashed check. 

Ten years ago was the big bank merger and acquisition time, and too big to fail was on everyone 's lips, but I feel strongly that although the error was my own I would still be due the funds. They certainly have the records somewhere. 

Please let me know if you are the correct contact, or to whom I might speak about nicely getting Chase to comply. Also, thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Horizon Card Services was a rip off card service that I used back in XXXX and quit using in XXXX. I have been having problems with them closing out the account and I have tried many times. I just checked my credit reports and it is still showing as open. I last contacted them in XXXX XXXX and there is still no resolution. They keep trying to keep me on as a customer and I do n't want to be and I owe them no money. I am tired of calling and asking them to close my account as it seems they never will.
My previous Income Driven Repayment Plan was {$66.00}.
I joined XXXX XXXX and my monthly salary significantly decreased so I updated my Income Driven Repayment Plan on XX/XX/2017 to lower my monthly payments which should have been decreased to {$0.00} a month. I provided all documents including proof of income and was told over the phone my payments would in fact be {$0.00} a month due to my low income. On X/XX/2017 my repayment plan was approved but had increased to {$180.00} and was automatically withdrawn from my bank account on X/XX/2017. I contacted Navient to ask why my payment plan had increased when in fact should have decreased to {$0.00}. I was told to resubmit the Income Driven Repayment Plan Request form and proof of income. I submitted the documents on X/XX/2017 and on X/XX/2017 my request was approved but only after financial hardships living on such a low salary.
I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by me.