WillisBack/dataset-financial-user-claim huggingface dataset:
My automobile was part of my Bankrupty ( ChXXXX ) and was paid in full ( BK claim scheduled - {$26000.00} ; Claim asserted {$26000.00} ; Principal paid {$26000.00} ; Int. Paid {$3700.00} ; my case was completed on XX/XX/2017. I have the paperwork from the trustee confirming dates and payments to all creditors, showing paid in full ( including Toyota Motor Credit ). I am now trying to repair my credit and begin anew. Toyota Motor Credit was reporting me as late and again, it was all paid in my BK. They were calling me to collect payment and I explained the situation, they refuse to listen telling me and continue to tell me I owe them {$700.00}. I have uploaded my documents to them, via their website and have spoken to several representatives. I even referred them to my BK attorney and they have been useless in removing the debt that I DO NOT owe. I am at my wits end as they said if I don't pay, they will show as " charge off '' and it will affect my credit that I have been trying to rebuild after my divorce. My BK paperwork should be enough for them to see what I am explaining to them is accurate and release my title to me and remove the balance they state I owe - as again, it was paid in full ( per BK courts paperwork ). This whole process has been very frustrating and to top it off they started calling me everyday to collect - harassment. I finally told them to stop calling me and to contact my attorney or the BK courts. Please help!
I applied to XXXX XXXX, in XXXX, NC on XXXX 2013. I took XXXX XXXX classes, which is a 2 yr program. Every semester the school would do our loans and all we did was come in and sign the paperwork. The school notified the students that we no longer received our loans through Sallie Mae, and would not provide us with any more information. When I asked for all my paperwork explaining the fees for the loans, I was ignored. I further looked into the situation and found out that I was being charged ROOM and Board, Gas fees and additional fees that did not pertain to me. I have my own residence, supplied my own gas, etc, but the fees were being deducted from my loans regardless. I just do n't see why they were taking that money from me if non of those were provided to me. I would like some kind of explanation on why charge me for something that is NOT being provided to me.
I called Amex on XX/XX/XXXX to request a few extra days to pay my bill due XX/XX/2017. The representative was kind enough to give me a thirty day extension. I noticed on XX/XX/XXXX a late fee of {$38.00} was generated. I called Amex and explained that I had been given an extension and they credited the late fee. To my surprise on XX/XX/XXXX I was hit with a {$550.00} finance charge. I called Amex on XX/XX/XXXX and after first being told they could n't do anything a supervisor told me they would have to investigate the XX/XX/XXXX call and it would take XXXX business days. Five business days elapsed and I 've been told they have no timeline for resolution. Today I was hit with a {$230.00} charge that I was informed was a trailing interest charge from last month though I paid the balance in full on XX/XX/XXXX when it became obvious they had made an error with the grace period.
NCC Business Services in XXXX Florida insists that it takes 10 days to obtain a proof of payment from them, claiming " first come first served ''. Representative said it was like signing a credit card statement at a restaurant. When I mentioned the process does n't take 10 days at a restaurant she said again " first come first served '' as though there were ten days worth of trucks full of payment receipts needing to be processed. When a payment is collected, I should be able to get a receipt as soon as the funds come out of my account.
Contacted XXXX collection agency and original creditor, neither could provide detail information regarding this account. the collection agency states they dont have to account anymore it was pulled from their services. All that was give to me from the original creditor was account number and my personal information that was used. No further information regarding discharge info or signature of documents. I have disputed this and have yet to get a responseCollection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX
I joined a 12 week weight loss program for {$700.00} in 2009. Four weeks into the program, the company closed. XXXX XXXX wrote off acct, then sold it to XXXX, who began agressive collection. I paid/settled acct XX/XX/2012. About 6 months ago, I began getting calls from phone numbers with area codes from all over the country -- -all saying I owed over {$4600.00} and if I did not agree to a settlement and pay, I would be sued, arrested and could go to jail. I threatened to report the scam. It stopped for about 2 months, and has began again. Credit Solutions found my home & email address and is sending letters and threats over the internet. This company says they are collecting for XXXX XXXX.
My father and aunt had a joint account with Santander Bank that funded a safety deposit box. Both of the people have since passed and I returned the safety deposit box keys.i have also written Santander multiple letters stating the box was closed, the keys were returned and both of the people on the account are dead. not only are they still trying to collect, but they are no billing me for XX/XX/XXXX until XX/XX/XXXX!!! They will NOT STOP trying to bill me for something I rectified and communicated to them YEARS AGO! they are trying to assess a late fee on me too. if they stopped ignoring my letters this would have been done away with two ( 2 ) years ago when I closed the account! I feel harrassed since they ignore my letters and are now trying to charge me with late fees and now billing me for another year when they XXXX well know BOTH ACCOUNT HOLDERS ARE XXXX! XXXX for 7 years and XXXX for 3 years! Come on!!!
XXXX XXXX sold an alleged debt not owed by person shown 'responsible for debt ' of {$440.00} generated in XX/XX/XXXX to a company called XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. The alleged debt was posted to the account with a falsified date of XX/XX/XXXX. 

The debt was disputed and shown to be in error and reported to the FTC. XXXX and XXXX were contacted with cease and desist letters notifying them of Fair Credit Reporting Act, 15 U.S. Code 1681c, and the Oklahoma statute of limitations for debt collection which has shown the alleged owed debt is time barred ( 1295 ( 1 ), and can not legally be posted to the referenced credit report. The falsified debt was removed from account, and XXXX and XXXX stopped contacting for payment. 

XXXX and XXXX then sold the false debt to another company, Credence Resource Manage, XXXX XXXX XXXX, XXXX, MI XXXX, which posted a false date of XX/XX/XXXX of account debt opened. They have attempted collection of a debt which is over 8 years and three months old, and posted an incorrect and falsified date to a credit report, which is a direct violation of federal and state laws. 

This is the second time dealing with this issue, and it continues to be a problem with multiple companies selling off a debt not owed and ruining my credit history, showing me to have bad credit for a debt which isn't owed and doesn't even fall within the legal timeframe for debt collection Since this is the second complaint against XXXX for the same alleged debt, I'm considering suing.
I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
In  XXXX  I was a guarantor on a business credit card for  XXXX   XXXX   XXXX . They and myself were unable to pay the {$20000.00} credit card at that time. In  XXXX   Wells Fargo  sold the debt after they charged it off to   XXXX   XXXX  . In  XXXX    XXXX   XXXX   ability to sue me for the debt cease under TX statue of limitations. They may still be able to go after  XXXX   XXXX  if the company still has assets. It is my understanding it does not.  XXXX   XXXX  they sent me a collection letter claiming they have the right to demand payment from me despite the debt being time barred from collections under TX law. They are also attempting to collect {$28000.00} instead of {$20000.00}. This may be business debt but I am still a TX resident and they have no ability to sue me under TX statue of limitation laws.
the company Equitable Acceptance has scammed me into paying for their " service '' in lowering my federal student loans. They are drafting {$42.00} from my checking account monthly. I have been paying since XXXX of XXXX and I still owe the same amount in my student loans. They claim to reduce my payments and pay for 120 months and the rest is forgiven. I pay {$180.00} a month and my loans are still the same amount. This company is fraudulent and they have put an inquiry on my credit report.
Please provide me a copy of the most recent version of the document titled Loan Modification Agreement originally recorded on XX/XX/2010. Additionally, please confirm if this document has been endorsed, providing a copy of the endorsement, allonge and bailee letter ( s ). 

Thank you, XXXX XXXX XXXX
voluntarily turned vehicle in, but I am still being harassed by AHF (American Honda Financial)
Equifax has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.
Payment made on XX/XX/XXXX from XXXX Checking account Key Bank calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. Key bank representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX XXXX payment XXXX XXXX XXXX reaches out to Key Bank XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) Key Bank stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called Key Bank with me, XXXX XXXX XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called Key bank on XX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at Key bank location XX/XX/XXXX XXXX XXXX , NY Male from Key Bank ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my Key Bank mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call Key Bank directly to rectify. The same day, I called back Key Bank and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from Key account # around the same time ( will show on past Key statement ) XXXX was able to get Key Bank mortgage on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the Key Bank mortgage. Paper check was dated XX/XX/XXXX ( see attached ). Received check from Key for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
On XXXX XXXX I made my XXXX mortgage payment. I saw on my BofA statement that it had gone through. A week later XXXX informed me via text I was almost at {$0.00} in my account. Something that I knew had to be some mistake. I found out through research that Chase had taken a 2nd payment in my previous amount ( prior to escrow change ). I had changed that to the new amount 2 months before however they continue to insist I went online and did it -I did not. When called on this Chase said they 'd reverse but it would be 7-10 days. 
I was leaving the country so I called BofA and they said they 'd cover the amount till it got reversed, They did n't say they would do that by sticking their hand into Chases pocket. 
So then there were several reversals and Chase took money back using my original XXXX XXXX payment to cover themselves and then reported us to the credit bureaus as XXXX not being paid -dropping our scores considerably. 
I was not aware of any of this till I returned home and then all Chase wanted was another XXXX payment. I had statements showing it paid and did n't want to pay more till this was resolved, that took over a week. At that point when we finally unraveled everything I paid XXXX again and XXXX but our credit was already negatively affected. 
Chase eliminated the " late fee '' but refuses to contact the credit bureaus for a reversal claiming it was n't their fault. It was n't ours, we paid in full and on time the rest was one mistake after another none of them ours. We had been paying Chase on time for 7+ years. 
Even before we had planned to refinance our loan. Now our mortgage person wants us to try and fix this before he proceeds so here we are as he recommended.
I have had multiple credit card accounts taken account in my name, rental lease agreements taken out in my name in 2015 in XXXX and XXXX in the city of XXXX, WA. I have had credit cards used in my name for purposes such as XXXX, XXXX, and multiple other companies using my credit card. The charges began in 2015 and have continued to date, even after opening a new checking account with XXXX XXXX XXXX XXXX. I have tried to fight the fraudulent charges but have not been successful and my social security number has been severely compromised. I believe it has been hacked through experian and someone has access to my credit cards and debit cards. I have been rejected from rental applications and jobs because of errors in my credit report.
I am unsure as to where to start with this ongoing issue I have been having with USAA. However, it started in  XXXX   2017 . On the  XXXX , I noticed some fraudulent activity with my Checking account and filed a fraud case and had my bank card suspended and replaced. The bank told me on or about  XXXX   XXXX  or  XXXX  that they were no longer conducting business with me and that the fraud case would take up to 75 days and that my funds would be available to me after the case was over.     The end of  XXXX  I realized that my  XXXX  check had already been sent to USAA and I spoke to them on that day (  XXXX   XXXX  ) and the  XXXX  of  XXXX  to try and figure out what I could do as far as the funds of my check. I was informed that I was to wait  60 c alendar days.     I called last week,  XXXX   XXXX , and was asked to call back on the following Monday,  XXXX   XXXX . I called again and was asked if it would be okay that they call me back with a resolution, when and if found. I accepted. I did receive an email the beginning of  XXXX   (  the  XXXX  to be exact ), that the Fraud case had been resolved and nothing on my part to do because the transactions were not mine.     Today,  XXXX   XXXX , I received a letter in the mail that my 'USAA  Federal Savings Ba nk Accou nt ', bei ng the Checking Account #  XXXX  was being closed as of the date of the letter,  XXXX   XXXX ,  2017 . I have been calling  XXXX  and then in  XXXX  about my funds sent from  Veterans Affairs and whether they can send me my money to my new banking account or not and  am still awaiting an answer.     With the letter, I continue to be told to call if any questions. Up until now there is no resolving this issue with the bank 's customer service because the run-around does not stop with them but only continues after being placed on hold for ab out 15 minutes at  the least, each time, at least once.
On XXXX XXXX, 2015, I opened a checking account with TD bank over the internet. I deposited {$100.00} and was given confirmation of opening account #. On XXXX XXXX, 2015, I received their " Welcome to your new checking account '' snail mail. 

At XXXX on XXXX XXXX, I was awakened by an email from TD telling me that my deposit was unsuccessful and that I need to visit a store to make my initial deposit. At XXXX I called the number provided in the email ( XXXX ) to find out what happened to my money and the account I opened. The woman who answered the phone asked for my SSN and looked something up in the computer. She told me that someone closed the account and did not leave any note about why it was closed. 

I do n't care about the account anymore. They can keep it closed. My problem is that they closed the account and did not return any of my money.
I am a victim of Identity Theft with a complete FTC package ( police report & affidavit ) and per state regulations I have a security freeze and a fraud alert on all three of my consumer reports. 

On XXXX/XXXX/2016 I applied for a Best Buy Credit Card issued by Citi Bank. Prior to submitting the application and thus 'hard pulling ' the actual report, Citi Bank were aware of the following fraud alert through 'soft pulling ' : XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016. ' When they did a hard pull, which was indeed authorized by myself, taking into account that they 'd ignore the fraudulent inquiries shown as 'disputed ' for 10 days BEFORE I APPLIED. They did a hard pulling and declined me because of solely being a victim of identity theft. This raises a legal issue of discrimination as it is certainly not my fault that my identity got stolen. If at any time prior to the hard pull, was I aware of they intentionally declining me prior to this, I would n't made the application and damage by report. Other lenders have previously issued me credit, DESPITE THE FRAUDULENT INQUIRIES as they knew I have n't done them myself per the fraud alert which you can see by soft pulling. I believe reason to believe that this is intentional and I would like to seek legal remedies to have the Best Buy Citi Bank Inquiry removed from my XXXX Credit Report. 

I have opened at least XXXX credit card accounts : XXXX and XXXX XXXX with both of the creditors being aware of inquiries on my credit report.
Roughly {$450.00} worth of fraudulent charges were made on my credit card. I notified them immediately thinking their investigation who did criminal was. They never put the full amount back on the card for me to utilize. They failed to tell me the whole process and then spoke to the Supervisor of Fraud Protection he then apologizes. How is that going change my situation? I feel like they are keeping the using my card. There 's a hold on there and I do n't know why.
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX my CREDIT!
Hello, my credit score and report has and is always perfect. I never pay anything late and always pay early the full amount I owe. Never a minimum balance and never had any issues with any credit cards. On XX/XX/2014 Macy 's put a delinquency on my account which I did dispute. They never send me the bill and explained to me that it was not my fault. They got the payment as soon as I called them and let them know I did n't get the bill. I paid in full a week later. They admitted they had issues and said it should not effect my credit report. Yes they did put the account in delinquency. Please help.
In XXXX 2015 I filed chapter XXXX bankruptcy due to medical issues and overwhelming medical bills. Contental finace was included in my chapter XXXX, They have refused to listen that I am in bankruptcy and continue to add illegal fees. I have been harrassed non stop by collection agencys for them who all refuse to even take down my bankruptcy case number or attorney information. On XXXX/XXXX/2015 as i was waiting to go into surgery, at about XXXX MT, I recieved a call from XXXX claiming to be attorneys hired by contential finance as I am in breach of contract. As teh person i spoke with was in no was fammiliar with the laws in regards to bankruptcy and again REFUSED to take my case number or attorneys name. I called him out on not really being an attorney. They became Irrate and refused to even listen to the my rights or the laws. Refusing to take down the information does not make contential finance immune from the automatic stay and does not entitle them to keep trying to collect and add fees that are not legal. they need to stop these clear violations of my rights asap.
The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....
XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.
Closed my XXXX  account and the {$5400.00} funding amount was not returned.
I took my husband 's last name & moved to his hometown when I got married XXXX yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.
XXXX   XXXX   XXXX    is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from ov er 3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
On XX/XX/2018, I received a phone call from a woman from a company called " Portfolio Recovery. '' The call lasted one minute and started at XXXX PST. I have no letter from this company and asked the woman to take me off their marketing list as well as how did they get my information ; they had the last four digits of my SSN. She did not answer the question and the conversation went silent. I said, " Hello, hello? '' to start the conversation again and then hung up the phone.
For no known reason Chase bank decided to close my accounts. I had no non sufficient and direct deposit for my pay check. If I had not gone in to ask what was going on I would not have been able to stop my pay check from being deposited. No one in the bank was able to tell me what was going on or why this was happening. I had accounts with Chase for years and this was done without notification.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( Equifax ), XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX ), XXXX   XXXX, AccXXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Equifax. XXXX ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, Equifax. XXXX ).