WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX XXXX I received a deposit from a person named XXXX XXXX into my Navy Federal Credit Union bank account. I was expecting this deposit. On XXXX XXXX, 2016 my checking account was frozen by Navy federal credit union with out any notice to me what so ever. causing all my checks to bounce and leaving me penniless during the entire month of XXXX. The amount deposited was {$15000.00}. ... .the current amount that was frozen is {$13000.00} and is still frozen. they say they want me to deposit another {$2000.00} to make the account back up to the {$15000.00} amount and return it to XXXX XXXX as his name is on the sender and the receiver status of the deposit even tho my account # and routeing # is on the deposit correctly. He got my account information directly from me. I am a XXXX veteran age XXXX and this is very stressful to me. Navey federal has refused to open up my account or to pay from my account my vehicle payments I owe now for 2 months, so they are all late now. also my credit card payments are now 2 months late. they have ruined my credit also thru all this and I have to move like some begger due to them. They say that XXXX bank did the deposit by ach and that XXXX bank is requesting this money be returned to them per request of XXXX XXXX. This is a lie.!!!!! I personally spoke to the Institution that XXXX works for yesterday and it was sent thru their account to my account and they said that their money has been refunded to them already. So why is Navy Federal still keeping my money from me???? HELP ME PLEASE!
My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.
Company is attempting to collect a debt for {$1500.00}. 
I mailed a request to company requesting debt verification, they responded on XX/XX/XXXX with a summary of charges and billing statement. On XX/XX/XXXX, I mailed a 2nd certified letter requesting legitimate debt verification documents including signed contracts to prove the debt is mine. The letter was deliver on XX/XX/XXXX, XXXX. The company has not responded to my 2nd request therefor waiving their rights to collect on this debt as stated in the letter I mailed.
To whom it may concern : On Friday XXXX XXXX, 2017, I purchased the vehicle identified in this letter from XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX ( salesman ). I was informed by XXXX in order for my loan to Get Approved I would need to sign all paperwork and add insurance to the vehicle before seeing or test driving the car. My response, I am at work and I can not leave today and his reply, I will come to your job. He arrived with paper work for me to sign and refused my request to make copies. Not to mention he did not drive the XXXX advertise for me to purchase. Also, I explain to him on several occasions I wanted a XXXX and his reply was keep this car 4 months and trade the XXXX in and I will get you a XXXX. Unfortunately, the vehicle has not been satisfactory because of the following : 1. Mileage ( incorrect ) 2. Inspection & Maintenance report? 3. Oil change ( receipt ) 4. Visible damages to the bumper 5. Head-Lights not clear 6. No additional key 7. Blue tooth & CD changer capability 8. Neither Cigarette charger works 9. No working navigation & etc. I was informed by XXXX all the items identified in this letter would be corrected once I purchased the vehicle. On Saturday XXXX XXXX, 2017 at XXXX, I text and called XXXX to return the vehicle. I did not hear back from him until Monday XXXX XXXX, 2017 at XXXX by text that he was in a closing. I have gone to the XXXX location for several weeks and no one is ever there. Finally, XXXX returned my call, stating give me a couple of weeks to make the repairs and you will be satisfied. After two weeks XXXX state, I would have to pay for the repairs. This is not what we agreed too. I reminded him of what he said and his reply sorry you are going to have to pay for it. Wednesday XXXX XXXX, 2017 at XXXX XXXX text XXXX and drove to the office. I disagree with his decision. I should not incur any additional cost due to the following under Alabama Code : Deceptive Trade Practices Title 819 Unlawful Trade Practices8-19-5 False Advertising Under Business & Profession Code False Advertising Title 819 Untrue or Misleading Known or Should Have Known Unfair Business Practice Alabama Code Title 27 Insurance 27-12-18 Alabama Business Compliance ( fiduciary responsibility ) Alabama Code Title 6- Civil Practice 6-11-20 Wrongful Intentional Act Consumer Protection Act Fair Credit Reporting Act I look forward to settling this matter amicably. If, however, the matter is not satisfactory resolved by Friday XXXX XXXX, 2017, I will  consider taking legal action to resolve the matter of fraud and deception through the Department of Commerce, Better Business Bureau and State ( s ) Attorney General.
I have been harassed by the company for the last time, I have asked them to validate all info and debt and after 90days that 's still not happened. Due to the statue of limitations I am no longer responsible ... .They called my job 12 times last week and its gotten to the point I am at my wits end ... .I need them removed from my credit report, and never to be contacted again ... PLEASE HELP ME. 
I have asked them to validate my info and they neglect to do so, backdated from XXXX/XXXX/XXXX I am so discouraged and feel like I can almost quit my job with the harrasement, its a threatening feeling to be frank. 
here are my accounts that follow : portfolio recovery ( XXXX ) XXXX Contact Address to portfolio XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Ownership Individual Account XXXX {$1700.00} XXXX {$470.00} XXXX {$440.00} XXXX {$460.00} XXXX {$910.00} not only do they have dates wrong on when I opened my accounts they are just out of control to be exact the account they say I opened in XXXX and XXXX it was XXXX they are even reporting wrong I have not opened up any new cards with them in the last few years
I received a collection letter from XXXX XXXX XXXX. They claimed i owed Paypal XXXX {$430.00}. I called paypal to verify and they ensured me that my Paypal account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last XXXX of my social. This is fraudulent, please stop them from doing this to other people.
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe XXXX {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to XXXX stating I had an agreement with you and owed any monies to XXXX. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY ME.
I am, once again, contacting the Consumer Finance Protection Bureau to resolve a complaint of in-accurate mortgage information on the Experian Credit Bureau report. This is my 7th separate contact, with Experian, in this regard. My last CFPB communication was in regard to complaint number XXXX with a response from Experian that states the information, in regard to including my mortgage payments, can not be included because their credit grantors have not provided this information. In all my communication I have included a copy of our most recent XXXX XXXX mortgage statement for their review. Experian is suggesting they can not include this accurate information unless it comes from their source of information. I welcome the opportunity to forward this same information to their sources. Please find enclosed copies from my on-line Experian credit report for My Debt Summary showing real estate debt XXXX, and my Accounts Summary XXXX as well. This is in-accurate information provided on my Experian report, and I believe I am entitled to have accurate information provided for anybody to examine. It is worthy of note, this mortgage information is on my XXXX, and XXXX XXXX credit report, but not on the Experian. I am, also, including our most recent XXXX XXXX  statement to support my claim we do have a mortgage, and have had the mortgage since XX/XX/2006. I would sincerely appreciate any assistance to persuade Experian to show accurate information in regard to our credit report.
There is n't a category above that really reflects my problem. Received a call today from a XXXX XXXX at ERG ( XXXX ) He states that the has paperwork for me regarding a default loan with XXXX or XXXX XXXX. I advised him that I have NEVER spoken with either company, nor taken out ANY loan through either company. He tried to verify my identity by giving me an address I would have used, which was not my address. He hung up on me. He has been calling my family members and harrassing them also. How do I stop them from contact us? I have NEVER taken out a loan through either company and actually have no knowledge of either.
Log into my online banking account at Synchrony Bank from a computer that is not a registered device ( I personally choose never register ANY device - even my own computer ). You are brought to a page with some telephone numbers ( showing only the last XXXX digits of the telephone number. You have option to request TEXT message, or CALL on the telephone number you choose. 
The problem is that on 6 occasions, this page shows telephone numbers that are not valid - they are not my telephone numbers, so I can not proceed to login. 
When I called customer service to resolve this over the course of 5 days, I received inconsistent resolutions. 
On one occasion, they did something to disable this feature, allowing me to directly login from non-registered device ; On a 2nd occasion, they asked me for my valid cell phone number and sent me a XXXX-digit passcode ( Note : on a subsequent occasion, a rep told me they could not send a XXXX-digit passcode to my cell phone number because my number was not registered with the third party vendor ) ; In one call, I was told to call all XXXX credit agencies to have my telephone numbers added to my credit report - I called all XXXX : XXXX did this, XXXX and XXXX said they have no way to do this. They told me that they get my telephone number from the XXXX credit agencies and do not use the telephone numbers that I list on my account. 
In one call, I was told that they use a third party public database to pull my telephone numbers for this validation. 
On numerous calls, I tried to explain to the reps and their supervisors that this is a faulty way to validate my identity. I am the only one who should know what my valid cell phone telephone number is, not a public third party database. I spoke with so many Synchrony reps and emailed them to explain the fault in this, but no one seemed to follow. Using third party telephone numbers to send 'login passcodes ' is so dangerous as this enables codes to be sent to ex-spouses, or otherwise old/obsolete telephone numbers. I am trying to get Synchrony bank to change this PROCESS for validating my identity since I choose NEVER TO REGISTER any of my devices, but they seem to not understand and address this issue. Hopefully, this complaint will make Synchrony fix this faulty login issue.
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says XXXX but my credit report says XXXX XXXX XXXX which is two different companies,
My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. 

I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. 

I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. 

Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.
Transunion and the company in question failed to truthfully validate an account, it was removed from credit report. However the account was reinserted without the required 5 day notification per law. My consumer rights have been violated and Im given the opportunity to file suit against Transunion unless the account in question gets taken back off my credit report. 
Account : XXXX XXXX  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against Experian, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX v. XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase  voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
I got a XXXX payday loan from Castle Pay Day Loans. I was told it would be XXXX a month and it would be XXXX to pay it back. When they took my XXXX payment out of my account they charged me XXXX. I am on fixed income and this could have caused an overdraft if I had not seen it in time. When I contacted them they told me the XXXX was bi-weekly. They did not tell me that when I got the loan. And when i looked at the info on the website, they are showing that i will be paying them XXXX over a period of XXXX mos. It is showing XXXX pymts of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX,, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, and XXXX pymt of XXXX. I was never, never told it would take me XXXX months to pay this off and that it was going to cost me XXXX to borrow XXXX or I would never have borrowed it. When I called and asked them why they took out XXXX instead of XXXX, they told me that the XXXX was biweekly and that I had opted for monthly. Well, when I spoke with them they told me more than XXXX it would only be XXXX and if I wanted more taken out I should call 3 days before pymt due. So i did n't call because all i wanted them to take was the XXXX. They also said that i could pay it off for XXXX before my next due date of XXXX XXXX, 2015. So on top of the XXXX already given to them, they want me to still give them XXXX. That is totally unacceptable as well!!! I have also filed a complaint with BBB but wanted to file with you as well.
To whom it may concern, My name is XXXX XXXX, I used my chase checking account ( # XXXX ) transfered {$790.00} to my friend ( XXXX XXXX XXXX 's chase checking account ( # XXXX ) via chase quick pay on XXXX/XXXX/XXXX, transaction number is # XXXX, but my friend did not receive it, then I found out that I used his old cell phone # XXXX to made transfer, not the new cell phone # XXXX. Therefore I filed a claims to chase bank on XXXX/XXXX/XXXX, claim number is XXXX. But they replyed to me that they are not going to make any adjustments to my account. Please help me to get my money back, please feel free to let me know if you have any questions. Thank you very much. XXXX XXXX
I got my loans through XXXX XXXX. They were taken over by Acs. I have multiple late payments on my account. I have disputed all of them and had some removed because Acs " had no record '' even though they had reported to credit agency they were late. After multiple disputes, I was able to get some off. I expreressed my frusterated to Acs multiple times that when they had reported these late payments that there was no person to talk to when I initially got my loans bought by them. It is not since this last two years have they changed their system. They will not now backdate any of my deferements or forbearance and are reporting I am late, even after I used their automated system to get my payments postponed. I told them my loans are being consolidated. I never have had any issues with my XXXX loans or when XXXX had my account, only Acs. There are multiple times I have applied for postpone payments and then they are showing up late. It is so hard to work with a company that is not accurate on reporting their information.
I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, XXXX, and Transunion about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my XXXX  score to report drastically lower than what it should be.