WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Bank of America after discovering a fraudulent account on my credit report. Bank of America indicates that I had a credit card with my daughter on the account, which is a lie, I never applied for a credit card with this company. When I contacted Bank of America, informing them of this discovery, I provided them my address in which they never had, I was living at my XXXX address since XX/XX/XXXX and prior to that, XXXX, since the early XX/XX/XXXX 's. The reason they never had my address is because I never applied for a credit card. The address in which they have on their credit application is an address in which I have not lived in over twenty years. I even provided them my mortgage document, voter 's registration and my property tax documents which supported that I was not living at the address. I provided documents supporting that I was not living at the address on their application, then they wanted to say my daughter and I shared a bank account. My daughter and I never shared a bank account. When I asked for checks they were not able to provide checks. If they received any money from my account, it was not authorized. I never gave anyone my information, to withdraw any funds from my account. Then Bank of America, stated that funds were transferred to a XXXX account. When I provided them the letter demonstrating that after XXXX researched the account, they closed the account as a fraudulent account. Bank of America, then lies and says the letter was for a lease with XXXX. I knew that was not true and contacted XXXX and they ( XXXX ) indicated that they did not speak with Bank of America and they definitely did not say that the letter was from a lease, they indicated that they ( XXXX ) would not have spoken with Bank of America as it is against the law to do so without my permission and that I, XXXX had not given them permission to speak with Bank of America. Then Bank of America, went and gave the IRS a charge off letter in which I attached. I do not owe this company, never received a card, never applied for a card, never authorized any payments. This company, needs to be implement better safety precautions before issuing credit, to reassure that the party notated on their application is authentic. They should request for a license, social info and other documents to reassure that the party applying is the actual party. I even had a fraud alert on my credit report and they did not contact me, the phone number in which they claimed when I stated about the fraud alert on my credit report, the phone number is not mine. I have provided this company numerous documents to support that I did not apply or was aware nor did I reside at the address on their file. Now, they are sending the attached letter to the IRS as a charge off. If this company does not rectify this issue, I have to resort to seeking legal representation and sue them for neglect and damages. I have been fighting this battle back and forth and this is taking a XXXX. I ca n't continue to do this, when I have provided information to substantiate my claim.
XXXX is currently collecting a debt for XXXX different original creditors. Santander Consumer USA acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina ( see attached ). 

Neither Santander Consumer USA nor XXXX XXXX is the original creditor as claimed by XXXX XXXX ( see attached ). On XXXX/XXXX/XXXX, I asked XXXX., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, XXXX claimed that Santander Consumer USA was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, XXXX., provided me documentation which did not mention Santander Consumer USA as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
A social security number in California ending in XXXX is associated with me. That is not my Soc Sec Number. I do not currently work for XXXX. I do not have a XXXX XXXX XXXX.
On XX/XX/2018, I rec 'd notice from Equifax to go to www.trustedid.com and review credit report. I noticed under " Associate Address '' section that the following address was listed as being part of my present address : Date : XX/XX/18, Address : XXXX XXXX XXXX, XXXX : XXXX, TX XXXX XXXX : TX XXXX. 

This is erroneous information on my credit report - at no time have I ever lived at or know anyone at this address. I wish to have this information reported and removed from my credit report as I feel I am victim of ID theft by use of this address on my credit report.
I stopped receiving notifications regarding the amount owed by company. Debt was transferred to another creditor. Over the past several months, payments were sent but no acknowledgment was submitted. Please assist in resolving. Thanks. 
PS Money Orders were sent XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 are from XXXX XXXX XXXX and the last is from XXXX XXXX XXXX XXXX.
I made a purchase on  XXXX / XXXX / 17  with  PayPal and chose the pay after delivery option. I had the money but with the seller wanted the assurance that the item would come. At the same time I was moving bank accounts to a new account. Reaching out to PayPal was futile and they restricted and locked my account. I told them not to charge the old bank but to charge the new one. They did n't listen and ended up overdrafting my account. They told me there was nothing they could do and I had to talk with my bank. I just want to pay for my item.
LAST YEAR BACK IN XXXX I HAD JUST RECENTLY ASK FOR A PAYMENT PLAN BECAUSE THE SCHOOL NEVERED FOUND ME JOB SINCE I GRADUATED BACK IN XXXX. BUT I HAVE BEEN IN FINACIAL HARDSHIP & WITH XXXX KIDS IS HARD. THEY PUT ME ON A PAYMENT PLAN WHICH I WAS PAYING {$50.00} DOLLARS A MONTH THAT THEY SAID THEY NEVER RECIEVED FOR 3 YEARS STRAIGHT AND THEY STOP CALLING. SO WHEN I FILLED MY TAXES THIS YEAR THEY TOOK XXXX DOLLARS FROM ME. I DONT KNOW WHAT GOING ON I NEED HELP PLEASE.
Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$120.00} against an available balance of {$3.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$3.00} was negative {$68.00} in bank fees. The items presented were NOT paid and returned.
I m having a problem with Equifax I can't see my credit score from them through privacy guard second I try to reach out through them but I can't get through when someone finally answer they can't speak English I would like to know what are they hiding in my report that I can't lay my eyes on. please have them respond to my complaint so that I can resolve what ever problem on my credit.
i received a loan from ACE cash advance back in XXXX, i filed for bankruptcy. i do n't believe the loan was including in the bankruptcy, but they have been threatening me with lawsuits and contacting all of my family members with threats and subpoenas as well. they call be at all hours of the days. leave several messages. they are harassing my family. they stated that they have information to contact me that i never provided and does not belong to me.
The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.
Bank of America allowed XXXX XXXX XXXX XXXX XXXX to charge my Business Checking Account/Debit Card 11 times in one day on XXXX XXXX, 2017, totaling {$3300.00}. XXXX XXXX XXXX XXXX XXXX did not provide the services as agreed pursuant to a contract. Their cloud based service did not work as promised and continued to have endless glitches and issues. I was never able to get back into the program. It never worked. When my father XXXX unexpectedly and I was out of work due to XXXX and again had no access to the program they still refused to cancel. Instead, they said they 'll give me an extension and change it to my brother 's business and update the cloud to his information but those changes never came through. The program never worked at all. This company has a predatory billing practice. I sent them an email revoking their authorization to charge my card and they continued to charge anyway.
I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. 

I feel I am being unfairly treated and want to complain.
My name is incorrect on my credit report I have submitted prove using my License social security number and a utility bill and nothing have been updated or removed from Experian
Equifax Executive Office previously permanently block the following account 3 years ago because the account dont belong to me, now they have put the account back on my credit report after they permanently blocked the account from my credit report. The following account is not my account : XXXX XXXX XXXX XXXX. The account is not mine and dont belong to me.
On Monday, XXXX XXXX, I had a positive bank balance ( PNC bank, State College PA branch ). I also had a deposit that day of {$140.00}. I could see the deposit in my account on Monday. The very next day, I was charged falsely XXXX " overdraft '' fees totaling {$72.00} even though I had money in the account! They " posted '' my deposit immediately after the XXXX fake overdraft fees. This timing was clearly intentional and predatory. The local branch and customer service refused to refund the overdraft fees even though it 's obvious that the charges were predatory and opportunistic. There was enough money in the account to cover the checks!!
Equifax is reporting a name that i have never went by and the name is XXXX XXXX XXXX and the correct name that should be on file is XXXX XXXX XXXX and the incorrect should be taken off of my record and all the account that have the last name of XXXX should be taken off of my record please and thank you.
I submitted a payment to the Vermont Student Assistance Corporation. My bank, XXXX XXXX XXXX XXXX, reflects this {$73.00} charge from XXXX XXXX, 2016. This payment has never been reflected in my VSAC account. Shortly thereafter, my loan servicer became XXXX. Neither loan servicer shows a record of this payment. XXXX gave me a trace number : XXXX which should be useful in assisting VSAC in finding a record of this charge. 
In other words, the transaction occurred. But was applied as an increase of balance instead of reduction.
Our Condominium Owner 's Association is a small association of XXXX condominium units. In XXXX XXXX, one of our owner 's, stopped paying her monthly dues. A Notice of Delinquency was mailed to her on XXXX XXXX, XXXX. Shortly after, she was admitted to a XXXX. The Association was informed that it was unlikely she would be able to return home. 
Monthly dues have not been paid for 18 months. We placed a lien on the property on XXXX XXXX, XXXX. 
As we are a small association of elderly residents, most on a fixed income, the remaining owners have had to make up the shortfall, which is a hardship for all. We have had to not only cut back on much needed maintenance projects, we are unable to adequately plan for future major expenses. Though various residents have undertaken to help maintain the property, it continues to decline in value as it has not been occupied for so long. 
We have contacted a real estate agent who has been working with the mortgage holder of the property. Our understanding is that Chase Bank has yet to foreclose on the property, even though the mortgage is in arrears. Other real estate agents in the area have had offers on the property, but, according to agents, Chase will not respond to any of these offers. 
We are desperate for relief in this situation. It is affecting not only our individual finances, but also our quality of life and the investments we have worked so hard to maintain. 
Please let us know what steps we need to take. We greatly appreciate your assistance. 

XXXX Condominium Owner 's Association
I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX GA XXXX
XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.
They have not helped in any matter. Agreed to add me on to several deference and forbearance without letting me know how much I would have to pay later and how much interest would be accrued. They are not helpful in guiding us to the right repayment plan and truly laying out how much I would be repaying. In fact, when I did some digging, I checked the site and for an income-based driven program, I would pay {$0.00} for the first 12 months, {$210.00} for the next 12 months and {$2500.00} for the next 10 years. Not for nothing, but that makes no sense. There is probably a reason why the individuals can not share ALL the information and hide this information because then no one would ever be able to pay it back. {$2500.00}??? really? 

I have gotten rude individuals. I have not gotten any step by step guidance just a referral to the website, which is not very user-friendly. 

I have a family to support including XXXX small kids and realistically speaking even if I dont have to pay initially, the plan the website paid out for me is unrealistic to pay. 

In addition, because of interest rates, according to the website, out of the $ XXXX of the original loan, by the time I pay it off, I would have paid {$490000.00}. Almost {$320000.00} more than the original loan, which goes to these criminals. I refuse to pay and they need to educate us more and give us better ways to pay down the loan and more options to pay the loans.
Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation
In XXXX, I received notice that my credit score went down due to a late payment of {$6.00} from XXXX XXXX XXXX Bank. I called them as I was never notified of the {$6.00}. In addition, I paid this account in full on Line in XXXX. XXXX XXXX 's said that it was an automation process and would take care of this issue immediately. By the end of XXXX, the credit reports were corrected and my credit scores went back to over 800 where they should have been. NOW, in both XXXX and XXXX, I contacted both verbally and online, the TRANSUNION agency as they reverted My credit score back to the 600 's after the problem was fixed. Both times they sent me stating the problem had been resolved but have not set my credit score back to the 800 's. I am just totally frustrated with TRANSUNION. They are the worst. I want the problem solved. Thank you.
Wells Fargo Bank is not applying extra paid on the payment to the principal they apply it to the next months payment. I called them to complain and at first I was told they do not apply the extra to principal they did not have to, and there was not way for them to do that. They do not give an option online when making payments for extra to be given or applied to principal. When I stated that is not legal then they tell the only way was to send in a check by mail with instructions to apply to principal otherwise it would be credited towards the payment/interest.
I have been a capital one customer since XX/XX/XXXX with my platinum credit card that i just paid on XX/XX/XXXX and my credit reflects a late payment and a balance which is already paid off in the sum {$260.00}. my credit report is negatively reflected even though i have proof from my bank that i made the payment and they accepted and my balance should be {$0.00} but sadly it does not reflect that. i am trying to apply for a mortgage and i am unable to get approved due to incorrect information reported on all XXXX credit reports. please fix error to reflect {$0.00} balance with Capital one credit card under my name XXXX XXXX.
For approximately the past 3 months I have been receiving recorded phone calls from Harris & Harris, a debt collection agency ( that is stated in the recording ), instructing me to call a number with a XXXX area code. My name is never mentioned, nor is the reason for the call. They call at various times throughout the day or evening. Sometimes they skip a week, other times they call 3 or 4 times in a week. On one occasion they actually called 3 times in the same day! I am on the " do not call '' registry but obviously to no avail. Thanks for your assistance.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The two accounts below are reporting on my XXXX and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXXAccount NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as ofXX/XX/XXXX.

Status UpdatedXX/XX/XXXX
I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all.
Collections Services of Athens , Inc. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with Collections Services of Athens , Inc. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Collections Services of Athens , Inc has also called me on XX/XX/XXXX threatening to take legal action, I have filed a complaint with Georgia Attorney General, ... Furthermore, Collections Services of Athens , Inc. is practicing UNJUST ENRICHMENT.