WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX    2017,  I received a letter of Notice dated   XXXX   XXXX    2017, in th e mail allegedly from TRS Recovery Servic es   XXXX   XXXX  .  Notice is titled " Notice of Unpaid Electronic Transfer '' and is attempting to collect a debt of {$450.00}. The details contained in the notice are : Orig. Creditor :  XXXX   XXXX  Current Creditor   : Telecheck Services ,  XXXX  .   Principal Amount : {$450.00} Total Amount Due : {$450.00} Date Written :   XXXX   XXXX    2017 Ch eck Number :  XXXX  Returned : Stop Payment Reference # :  XXXX  I have never purchased a  XXXX  nor have I ever visited  XXXX   (  much less purchased anything from there ) nor has my wife or any member of my family.   On   XXXX   XXXX    2017 ( the   same day I rec eived the notice ), I contacted the Office of the Attorney General of Texas. An employee advised me that (  1 ) TRS R ecovery Services    XXXX   XXXX  . i s a registere d 3rd   party debt c ollector , ( 2 ) they  are a subsidiary of  Telecheck Services, ( 3 ) their fi le number is  XXXX ,  ( 4 )  their Bond Number is  XXXX  ( issued by  XXXX   XXXX   Company of Maryland ).   S he also recommended that I order copies of my credit reports from  XXXX .   I reviewed the credit reports that I received and there were no disparaging remarks of any kind.   On   XXXX   XXXX    2017, we  also contacted  XXXX   ( a t  XXXX  ) where I spoke to a representative who identified herself as  XXXX . I provided  XXXX  with the information from the notice ( I.E. , EFT Ch eck Number and Reference # ).  XXXX  said that this information didnt seem to relate to any information in the systems that she had access to and could not identify them.   Since the notice dated  XXXX   XXXX ,    2017 f or a check allegedly written on  XXXX   XXXX ,    2017, I  posed a hypothetical question to  XXXX  : If somebody wrote a check and it was returned for a stop payment, would  XXXX  turn it over to debt collector after ju st one  week?  XXXX  response was unequivocal :  XXXX  Must wai t 90  days.   In researching  XXXX / XXXX /Telecheck Services,   XXXX . online , I have  found many complaints on  XXXX ,  Better Business Bureaus   XXXX ,  XXXX , and other sites. Further, I saw that  Telecheck Services   XXXX   XXXX  . was a defendant in a recently settled class action law suit as well as settling an FCRA case initiated by the F TC.   On   XXXX   XXXX    2017, I rece ived another notice from TRS Recovery Service s ,  XXXX . Thi s notice, dated    XXXX   XXXX     2017,  is titles NOTICE > > > IS FURTHER ACTION NECESSARY. The details in the second notice are the same as in the first notice. Further, this notice is first requesting that payment in full be made by cashiers check or money order. In the very next paragraph, it says that I may also pay online by  Visa   or MasterCard at ww  w.firstdata.com/trs.    Given all of the above, I believe and feel that TRS Recovery Services  ,  XXXX . is  attempting a fraudulent act. Therefore, I did not contact TRS Recovery Servi ces   XXXX   XXXX  .  directly. Instead, I am initiating this complain.
I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Yes, My father banked with Pentagon Federal Credit Union. At the credit union he had several accounts XXXX money market certificate accounts, credit card and a share account. My father passed away XXXX XXXX, 2015. His estate is currently in probate and I 'm the executor of the estate. Pentagon Federal Credit Union will not close the accounts at the bank due to the fact my father had a balance on a credit card statement. Also the accounts are payable on death accounts with a beneficiary. They stated my father signed a credit card agreement stating they have the right to take money from other accounts to pay the debt. When my father passed away in XXXX the account was in good standing, it was not in default. I told them that they could place a claim against the estate and the estate would be responsible for paying the debt. I 've attached a copy of the credit card signature card and the membership disclosure. My question are listed below:1. Does the passing of an individual automatically make any debt by that individual in default? The debt in question is credit card debt. 
2. Does the credit union have a right to leave an account opened after requesting that it be closed after a persons death so they can make monthly withdrawals from the account ( s ) to pay on credit card debt?
We called Low VA Rates to refinance our mortgage for a lower rate. In XXXX 2017 Low VA Rates requested a pay off from XXXX XXXX. The cost was {$30.00} that was to be paid to XXXX XXXX by Low VA Rates. This was not done. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. Now we have {$90.00} added to our Mortgage payment each month until Low VA Rates pays the money to XXXX XXXX to pay this off. According to Low VA Rates we are to pay this, but we did n't request the pay off Low VA Rates did. We hope you can help us. Husband is the Veteran.
BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.
My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have  gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later
I recently opened a PayPal MasterCard account with a {$700.00} limit through Synchrony Financial. Following my first payment, I started having problems using my card. I got this card to use daily similar to a debit card and pay the balance in full each month. 

The first month, I had a balance of approximately {$400.00} which I paid on time and in full. About five days later, I attempted to make a purchase at a restaurant only to have the card declined. I called Sychrony to determine why I could not use my card even though I paid in-full and on-time. The  response given was that a hold was placed on my payment and that my full credit limit will be available 5 business adys from the payment date. 

The next month, I had a balance of {$670.00}. I paid-in full, on the due date online on XX/XX/XXXX and received an email confirmation of payment at XXXX CT on XX/XX/XXXX. Watching my account to see if they would be placing a hold on my account again, I noticed I was charged a late fee. The website showed I paid on XX/XX/XXXX and a {$25.00} late fee was assessed. Again, I called. This time, it was to dispute the late charge. I was informed that the charge was waived ( so kind ) in addition to my account being placed on hold ... again. This representative said it was federal law to put payments on hold when it was a " huge '' payment. I asked what constituted a " huge '' payment. I got no satisfactory explaination. The representative said that my balance would be available in 5 days. 

Today, XX/XX/XXXX, I attempted to purchase necessary medications ahead of the XXXX holiday since my pharmacy will be closed. Yet again, my card was declined for a {$20.00} purchase. I called for a third time. I got no help from the representative other than my credit would be available in 5 days. He could not give my a reason why my account was still on hold even though I paid on XX/XX/XXXX and the payment cleared my bank XX/XX/XXXX. He attempted to say I made multiple payments which I did not. In the end, the call was fruitless. I will be closing this account as it does nothing for me to have a credit card I ca n't use when I need it. I 've met my obligations by paying my account on-time only to be declined when I need to use the card with no decent explanation or attempt at remedy.
This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature.
Credit Bureau Systems has withheld verification information and thus fraudulently represented a debt, for which they are claiming I am liable. Credit Bureau Systems failure to provide pertinent information regarding their claim, which I am entitled to under the Federal Fair Debt Collection Practices Act, has resulted in my inability to resolve the dispute in a timely manner, despite repeated requests ( both by phone and certified mail ). 
When asked, during our most recent phone conversation for the information I requested, and am entitled to under Federal law, the Credit Bureau Systems employee ' responded by saying the Hospital network ( and originator of the alleged debt ) " ..had been hacked, so I ca n't do that '' and then hung up the phone. Their harassing tactics have delayed a resolution, as a XXXX, they have impeded my education. I can not pay for schooling without federally obtained loans, and they have been withheld, pending a resolution of the collection claim.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$430.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access. 
6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
I purchased a new home in XX/XX/2018 and my loan was for XXXX at closing. 
I sent in a payment in XX/XX/2018 for XXXX to apply to my principal on my loan. my balance was XXXX and my loan was purchased by Loancare. My first statement reflected this. now my balance shows XXXX. On one can tell me where my momey went. Please help.
Hello, Included in this complaint are two escrow statements I have received from XXXX XXXX XXXX. Although taken from consecutive months, there is clearly a discrepancy of {$1100.00}. 

There may be a reasonable response to this, however, I have been unable to receive any response on this matter from XXXX XXXX. I first contacted them about it on XXXX XXXX ( through e-mail ). I have sent them multiple e-mail requests since then but have received no response concerning the discrepancy. I have, however received one " read receipt '' from an e-mail I sent on XXXX XXXX indicating that the e-mail was read on XXXX XXXX. Despite requesting read receipts on previous e-mails, I received no indication that any of my other requests ( before or after ) concerning this matter were even read. 

Thank you for your assistance in this matter. 

XXXX XXXX
I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.
I have a credit inquiry on my credit file that I did not authorized from XXXX XXXX XXXX XXXX dated XX/XX/2017.
My husband and I have a car loan through Santander Consumer USA. The original amout they financed for was XXXX. We were informed today that the principle of our amout has n't even been paid down by XXXX since XX/XX/XXXX when we took the loan. I called them today, XX/XX/XXXX and they told me basically that the only way to get any of our payments of XXXX. XXXX a month is to pay more than our monthly payment. So basically we were told that none of our payment is actually going to the principle but we could pay more every month in order for anythint but intrest to be paid. Our note is for 48 months but at what they are doing it is going to take us around 12 years and XXXX to pay off our XXXX vehicle.
XXXX   corrected my payment history on all accounts with them they took all delinquent payments off. Transunion took the delinquent payments off but keep putting them back on there I contacted them due to the issue and they wo n't fix it I will provide picture proof with this complaint
On XXXX/XXXX/2015 a Chase Quick Pay was created from my husband 's, XXXX XXXX XXXX, Chase Account # XXXX for {$550.00} to go to my personal account to XXXX XXXX, Chase Account # XXXX. When I never received notice that money was transferred, and I never received it in my account, I investigated. I was told that on XXXX/XXXX/2015 it was transferred via XXXX account to XXXX XXXX, account ending in XXXX, with my email address XXXXXXXXXXXX. I did n't know anything about a XXXX account and I do not have any account ending in XXXX. I have exhausted all my efforts to retrieve this money. Chase says it has transferred and can not be refunded. XXXX XXXX said it was never received and that it is an issue with Chase. My husband is a XXXX veteran and we can not afford to have {$550.00} vanish from our accounts. Please help.
I am a parent of a student who attended the school between   XXXX   to   XXXX   or so.. from what I can figure out base on my conversation with navient is my son loans were subsidized and unsubsidized. i believe the parent plus loan amount of   XXXX   from distribution dates as follows : PER  NAVIANT  PARENT PLUS LOAN   XXXX   XXXX   XXXX   ***1st son --   XX/XX/XXXX - $   XXXX ** XX/XX/XXXX - $   XXXX  **  XX/XX/XXXX  $  XXXX ** XX/XX/XXXX  $  XXXX **total  {$23000.00} AND  XX/XX/XXXX - {$10000.00}     XXXX   XXXX   XXXX   XXXX     -2nd s on only had this parent plus.    CONSOLIDATED   XXXX    {$26000.00} CONSOLIDATED  XXXX  {$10000.00} FOR TOTAL OF {$36000.00} @ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SON ACCT CONSOLIDATED   XXXX   TOTAL {$24000.00} AND  XXXX  TOTAL   XXXX @ XXXX   INTEREST RATE..I BELIEVE THE  XXXX  ACCTS ARE  ONE  IN THE SAME ...   XXXX   UNDER MY SON 'S NAME AND  XXXX  UNDER MY NAME. NEED SOMEONE TO ANALYZE BOTH LOANS. WE ARE BOTH CURRENTLY PLAYING ON THE TOTAL AMOUNT OF THOSE CONSOLIDATIONS OF   XXXX **   XXXX   AND  XXXX  ** XXXX .    ACTUALLY LOANS DISBURSED   XX/XX/XXXX   TO ABOUT  XXXX  THEN TRIED TO CONSOLIDATE
On XX/XX/2018 I received a letter from XXXX 's XXXX XXXX that due to a credit report that THEY pulled from Equifax ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because Equifax reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of XXXX 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a XXXX veteran and am on a fixed income and because of credit card companies practices to do this to XXXX veterans and keep us from building our credit worthiness, this is discrimination! XXXX 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!
I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE HELP!!!
Experian. I know you've received multiple complaints about them. They charge me every month, despite me never signing up for anything. You can't cancel online. They don't answer emails. The wait time for the phone is over two hours long. Absolutely unacceptable.