WillisBack/dataset-financial-user-claim huggingface dataset:
Enclosed is a letter explainging dire urgency of issues. Around XXXX XXXX XXXX XXXX and myself were with USAA BANK and INSURANCE for CAR and RENTAL. 
XXXX been a member for over 20 years. We had noticed large amounts of money missing from our checking accounts. We made several calls to USAA bank about the issues. USAA BANK was of little help. 
In fact at one point they a USAA customer service person said that we should look at each other as the culprits. It was at that time, I decided to open up a seprete USAA checking account in my own name to monitor issues. And in next few weeks more and more money from accounts ended up missing. It was n't until around XXXX XXXX that we started get answers when a boyfriend of a friend came forward and told us that he knew his boyfriend had been using our information and cards and that he had several convictions against him for credit card fraud and being in caught possession with other peoples credit and or debit cards. The boyfriend of our friend who was doing this to us left a message for the boyfriend were he admitted using us and others and did n't care. He was also renting out his garage to well over 6 homeless or other people and taking their SSI checks. The person who had been stealing from us also had someone show up XXXX at our door which a neighbor saw this and called the police. As well he started many disturbances knowing that we were going to be filing a police report. The loss was greater than we could even imagine around end of XXXX it was around {$20000.00} plus. We also found out the person who had been getting into our accounts had an operation running credit cards from state to state. We knew very little if nothing about account tampering, credit card fraud or anything of the like, so XXXX XXXX called USAA to warn them of all that was going on and that the person doing this had got into our accounts and we were unclear of what they could do to any other accounts at USAA as we said we were just learning about dealing with this stuff. I was asleep when XXXX got USAA employee XXXX XXXX XXXX XXXX XXXX ) on phone. As he proceeded to tell her what was going on I could hear her shriek while waking me up and causing me to go into the other room, she said WHAT DO YOU WANT FROM US. Only she did not use those words. They were much more harsh. And proceeded to rant. It took quite a while for XXXX to explain our situation and that we were calling to let them know what was going on with our accounts and wanted warn them in case the person who done this could harm any other USAA customers with the information we had. After a while of going back and forth, she finally said for us to go to police station fill out a report and let them know what charges were not ours from checking account.
Synchrony bank, which is a owner of the XXXX card and XXXX XXXX  care card is refusing to delete my wife from XXXX  credit bureau. She has spoken with XXXX   several times and they only wanted to dispute the issue. The problem with that is, SHE IS IN ESCROW!! And now she may screw her loan up, the lenders wants those accounts totally deleted off of her reports. She hasn't been an authorized user since XX/XX/2018 XXXX balance is around XXXX and XXXX balance is around XXXX or so? 
This needs to be resolved as of last month. And it needs DELETION..NOT JUST REMOVED AS AN AUTHORIZED USER. FROM ALL CREDIT BUREAUS..
hello, in 2015 i opened macys credit card, and i used it purchase furniture at XXXX, but i did n't receive my card therefore they sent me another card. But they did n't transfer the purchases i made with the XXXX card. i found out the issue through my credit report when XXXX ( citi bank ) reported charge off account to the credit agencys. 
My credit score dropped and i got denied from other credit cards and loans. I have been calling macys and citi bank to rectify this issue and i got no help. Please help me to resolve this issue. 
Thank you
I received a letter in the mail informing me that my account has been overdrawn {$330.00} for 42 days. I logged into my account and noticed that Wells Fargo allowed multiple withdrawals from third-parties when my account only had a few dollars left. I opened a new checking account with a different bank last year due to their overdraft fee class action lawsuit. I had no idea they would authorize continuous transactions after the first attempt failed then charge me NSF Returned Item Fees until they rack up then send me a letter about collecting a debt. This has put me at odds with Wells Fargo and I do n't even want to be their customer anymore. I have used their services ever since my old bank ( Wachovia ) was acquired by them, and while I 've had a few bad experiences in the past, this particular incident is much larger.
I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. Transunion, XXXX  and XXXX  were all similar results. Additionally, I have never been late on anything ... 

I called Transunion and XXXX  and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

Transunion, XXXX and XXXX  appear not to care ... ...
I originally owed XXXX over XXXX dollars for a wireless phone acct. I was called by Diversified Consultants and offered a settlement in the amount of XXXX to be paid over 6 months. I fulfilled XXXX of the settlement amt. Before the last two payments could be automatically drafted from my checking acct, XXXX recalled the acct from DCI and it was placed with another collection agency again demanding a new settlement arrangement. I was told by DCI that they originally knew that their arrangement would not be allowed to be played out since all of the accts get recalled at month 5, so if someone makes a 6 month payment arrangment on a settlement amt then the arrangement will never be fulfilled since the acct will be recalled prior to the arrangments being satisfied in full. This sounds like fraudulent and deceptive practices on the part of the collection agency and the original creditor XXXX.
A number of incorrect or wrong charges were placed on my account. 

I faxed Huntington Bank dispute forms for about XXXX charges. 

I never heard back. They were never removed from my account.
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
XX/XX/2015 I recieved results from Equifax stating XXXX-XXXX was not reporting on credit file XXXX not reporting on credit file XXXX XXXX not reporting on credit file XXXX not reporting on credit file. 
I have attached the Equifax Results from XX/XX/XXXX with Equifax stating that. 
After a couple Equifax has let the items come back on my credit report without proper notification of the 5 days per FCRA 611 15 U.S.C 1681I. 
You have clearly violated my rights and I am being denyed credit.
I had XXXX mortgages transfered from one servicing company to another. They were transferred from XXXX to DiTech on XXXX XXXX 2016. Upon transfer ( for both mortgages ) the very first statement I received from Ditech showed a past due amount for my XX/XX/XXXX payment. My XX/XX/XXXX payment was clearly made to XXXX. When I called DiTech and pointed out that the very first statement they sent me showed two months owed they said they had not received the appropriate documents from XXXX to credit my XX/XX/XXXX payment. It is the legal responsibility of servicers who transfer a mortgage to send this information. It is also an obligation of the servicer who receives a mortgage to have accurate statements BEFORE demanding funds, charging late fees, and in this case referring the payment to a credit collector.
I had an unauthorized inquiry from a dealership, i sent in proof to company and they still have not removed the hard inquiry
This situation with MODERN FINANCE has reached the limits. ALL THIS HARRASMENT FROM BOTH parties. I 'm being harassed and targeted for no reason therefore I 'm taking all necessary steps to secure my safety by all means necessary. Another civil theft has happen by Modern Finance third party XXXX personal information was once shared with this third party without my consent. MODERN FINANCE INTERNAL PERSONEL ( Collections Department ) Stated the only way for the vehicle to be redeem was that I walk in to there location with the full amount of the debt. soon as I Began to ask questions I could not get a straight answer and then he stated that I need to talk softly to him and then he just hung up. That shows the unprofessionalism that this certain entity lacks of. This is do to the erroneous information that MODERN FINANCE failed to keep up to date, monthly statements never came how they were supposed to. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous data from Modern Finance. there for hope that CFPB can help with this situation again for the forth time.
Got letter mailed XX/XX/XXXX saying I owed {$400.00} with no explanation of what for.
This company XXXX XXXX XXXX has been calling and emailing about a made up debt that I do not owe. I have NO outstanding DEBT. I do not know if this is some identity theft group of criminals or simply a 100 % pure Scam as this company has thousands of hits saying it's a scam organization and a few years ago it was sued and banned form debt collection by the Federal Trade Commission for this very thing. They called my office and repeatedly attempted to verify who I was and would not give me any info as to who they are. They call my cell phone under various out of state numbers but leave no information. I have Zero credit card debt, loan debt, payday loan nonsense, no medical bill debt, outstanding charges on ANY credit card, or ANY debt from ANY unpaid bill. I resolved a bill in it's entirety - for which I have documentation - for my ex-husbands home owner 's association in XX/XX/XXXX and there was a debt collector that got my info as the bill had been overlooked in the divorce. I assume that is how these people targeted me for this scam. Please advise.Thank you.
I applied for a ge/care credit card to pay for my son XXXX. At the time I applied I was told interest would not be added to this account during the promotional period which would have allowed me to pay the entire balance off as long as I made my minimum payments ( just as I did before ). Before the promotional period was over ge capital retail bank/care credit added an estimated {$1000.00} of interest to this account. I was shocked and stunned when they sent me a statement with this interest dade I then called and spoke to several reps. Trying to resolve the matter they felt it was not right but they could not take the interest off so I therefore attempted to make several more payments until I could not anymore. I knew this was not right and at the time I did not know who to turn to for help about the matter who governed this type of misrepresentation and or fraud from credit card companies. They added interest and will not accurately report to the credit bureau they have me owing XXXX of dollars in which I was almost done paying them until they pulled they stunt and they continued adding interest every month thereafter after the lump sum amount of an estimated {$1000.00}.
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.
This compliant is regarding Portfolio Recovery, which they claim I have open account in the amount of {$180.00} that was apparently opened XX/XX/XXXX. Please be advised that not only do I have no knowledge of the trade line they are reporting on my credit report, but they are in violation of the Arizona Debt Collection Act FIN Code : 32-1001 et seq. Which prohibits a debt collector or credit bureau from engaging in debt collection in Arizona unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the with the Arizona Department of Financial Institution. 
The ARIZONA DEBT COLLECTION ACT " ( ASCT ) '' defines a debt collector as any " person who directly or indirectly engages in debt collection ... '' and further applies to creditors attempting to collect their own debts. ARZ. FIN. CODE 32-1001 ( a ) ( b ) Furthermore, Sec.32-10559 ( b ) ( c ) of the ARZ. FIN. CODE. " prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the results of sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collections attempts. 

" ( R ) Reporting a debt to a credit reporting agency is powerful tool designed, In part, to Wrench compliance with payment terms ... ... " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( E.D.Pa. XXXX ) ; XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( D ) ebt collections use the reporting mechanism as a tool to persuade consumers to pay. Just like dunning letters and telephone calls. XXXX XXXX, letter from Federal Trade Commission Attorney 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 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.
i never have a XXXX XXXX XXXX credit card in XX/XX/2010 XXXX XXXX XXXX put a collection on my credit bureau file i disputed it and they could not prove that the debt was mine so they remove it from my credit file now XXXX XXXX XXXX  put back the same debt on my credit bureau file i try to let XXXX XXXX XXXX  know that i never own any XXXX XXXX XXXX card but they reply that they bought the debt from XXXX XXXX XXXX and they are not going to remove it from my credit file i ask them for a contract or any papers that i sign up for a credit card with XXXX XXXX XXXX and they could not provided it so please asking CFPB to get XXXX XXXX to show some prove that i owe this debt of {$1000.00} if not please remove it from my credit file thanks very XXXX XXXX address XXXX XXXX XXXX XXXX mnXXXX
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXXand XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from Experian that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
XXXX XXXX XXXX had threaten me with a garnishment even though there is not a judgment against me at all. My federal loans were in deferment and my private loans were the only ones past due. I have complained to XXXX XXXX about XXXX, there are several complaints about them online about given misinformation on purpose. I have complained to the XXXX Department of Financial and Professional Regulation in XXXX because their behavior is illegal per XXXX law. XXXX claims XXXX is a lender when they are not, it is illegal to say that. NCT is a XXXX trust not a lender which has to be disclosed on the paperwork sent by them.
Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following. 

According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank. 

If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement. 

This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.
Ally is reporting a paid account as collection. See attached agreement re : their unlawful repossession and ultimate agreement that they will report paid and remove negative actions after date of repossession
In XX/XX/XXXX I was contacted by the Citi Best Buy credit card company if a charge on my credit card was mine. The amount was {$400.00} and I told them it was a fraudulent charge. The Citi Best Buy credit card company stated they would mark it as fraud and would remove it from my account. 

When my XX/XX/XXXX statement arrived the fraudulent charge was not removed from my account and I was also charged {$4.00} for interest on the fraudulent charge. 
For the following three months I have had to call and remind them of the fraudulent charge and to have the interest charges removed from my account. 

Even after the fraud charge was finally removed for my XX/XX/XXXX statement, they are still trying to collect interest from me. This is a criminal act from Citi Best Buy credit card company.