WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint to you around XXXX XXXX, but for whatever reason, I do n't think it made it to you as I have not yet received a confirmation email. This is what was submitted : There were XXXX unauthorized ACH withdrawals from my checking account this past XXXX XXXX and XXXX XXXX. I notified my bank after this first group of XXXX unauthorized withdrawals and told them to block any ACH withdrawals from this person. They assured me this was done and refunded my account the XXXX unauthorized ACH withdrawal amounts, without explaining how or why this happened. Thankfully, the amount of the first set of withdrawals was relatively small ( under {$300.00} ). This past month I noticed XXXX more unauthorized withdrawals ( totaling {$390.00} ) and after doing research, I found they were from the same individual as the XX/XX/XXXX/XX/XX/XXXX withdrawals. I again notified my bank on XXXX XXXX. On XXXX XXXX the last of the XXXX ACH withdrawals was refunded. I insisted on an explanation of how they allowed the same individual access to my checking account, after telling them never to allow this person access following the first occurrence in XX/XX/XXXX/XX/XX/XXXX. They said there was an " error '' made and that they assigned my checking account number as this individual 's MEMBER NUMBER and further explained to me, he used this MEMBER NUMBER to set up ACH withdrawals. They also explained their investigation concluded this individual was not committing fraud ( ref USAA response, XXXX XXXX, XXXX ) despite my complaint of fraud by this person. I wrote them back telling them they were totally at fault for assigning my account number as another individual 's " member number '' and this individual should be investigated further. I explained this individual was committing bank fraud because you can not set up ACH withdrawals with MEMBER NUMBERS, just routing and bank account numbers, and his NAME against my account number should have triggered a fault in the USAA bank security system, and should not have allowed processing of his ACH withdrawals against my account. I have asked many times for an explanation from USAA, only to get bits and pieces and excuses why this happened. Their bottom line solution was to advise me to open another account, which I did on my own anyway. I do not see how opening a new account assures bank account security within USAA, and want to know if USAA Federal Savings Bank can be held liable for damages and failure to provide security of bank funds. Additionally, I feel they are liable for these gross errors in assigning my bank account number ( and who knows how many others ) to another member and then processing ACH withdrawals under mismatched account numbers and account owner names. Attached is the history of my conversations with USAA bank.
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau Experian, XXXX, XXXX.
I authorized XXXX XXXX to do a credit inquiry for financing, I did NOT authorize XXXX Bank, XXXX Bank, or XXXX Bank to do an inquiry. These are for the same thing - a motorcycle loan. Can you please remove all but the XXXX XXXX XXXX??
This is the second time we have had to file a complaint against Ally Financial. Once again our vehicle loan was paid in full. And again Ally will not release the title, saying additional monies are owed. Our previous complaint filed with you resolved the issue, hoping to meet with the same result this time. We need our title
Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.
Continuing to receive letters and have derogatory information posted by Apex Asset Management. The debt is not mine. Additionally, they are not licensed to practice credit collection in Florida. I have complained to the attorney general here in Florida as well. They are trying to collect {$130.00}. I sent them an initial letter asking for validation of the debt. Subsequently, I sent them a letter informing them of non licensure and asked for immediate removal of the item.
We mail in our rent on the first of the month, but it usually takes one-two weeks for our landlord to deposit it. Sometimes it 'll be up to the XXXX of a month, the money has n't been taken out according to our bank 's website, mobile app, and ATM, so we 'll go get groceries so we can last a couple days until we get paid again. Two or three days will pass, we 'll check our account, and we 're good. We 're a few bucks short of rent, but we get paid the next day, so we should be fine. 


Friday rolls around, we check our account, and there 's much less money than we expected. We go to check the transaction details and there are MULTIPLE overdraft fees. The rent check has indeed come out, but now it looks like it came out on Monday or Tuesday. It never showed this anywhere between Monday and Thursday, but it 's suddenly there now. And every transaction that occurred after it 's currently posted date has resulted in it 's own overdraft, whereas if it was withdrawn in the order that the account had shown the day BEFORE, there would only be one overdraft, sometimes by only a few cents. 


I 've tried calling and messaging multiple times about this issue which has happened SEVERAL times to us over the past few years. When they 'll actually talk to me ( which is almost never ; despite me being on the same account with my wife, they always insist to speak to her, but she can almost never be around because of her work schedule, ) they tell me " Well it looks like it came out on Monday! '' It did n't look like that all week long, and I of course have no screenshots to prove it because who takes random screenshots of their bank account predicting that they 're going to be XXXX over this month? 


Now, I understand that the day the check is deposited and the day it clears can differ. But the day it posts to our bank account should be the day the money is officially withdrawn from our account. We have no possible way of knowing the status of the check and the website gives you no indication that it is currently " Pending '' like it will do for other types of charges. 


It has happened to us at least three times in memory, possibly more, and has cost us hundreds of dollars in overdrafts where only a single one should 've occurred each time. Everyone we 've reached out to for help seems to be utterly clueless as to what even happened, and every single time they 've had to ask for someone else to help them out. We ca n't be the only ones this happens to. We 're just trying to catch back up on finances and pay off debts ( I have an issue with sudden extra debts showing up with no warning AFTER we finished paying off our entire Regions Credit Line, but I 'll make that a separate complaint, ) and having this happen to us every few months is like that XXXX XXXX XXXX song : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES
I received a call at XXXX from Navient . I had just fallen asleep from working XXXX once the operator on the phone stated they were from Navient and this call will be recorded I hung up b/c of the time and knowing they are not even supposed to call this early.
I submitted my application to renew my income-driven repayment plan before the deadline in XXXX. When asked to submit income verification, I mailed both mine and my husband 's paystubs. I was later notified that my paystub was insufficient and needed to send in a self-certified statement of self-employment income, stating either my monthly or annual expected income. At this time, I asked if my husband 's income verification was sufficient, and was informed that it was. I gladly obliged the request, with a statement of monthly expected gross income. I was then notified that that was n't good enough, and I needed to submit a statement of expected annual income. Again, I obliged, copying the requested verbage word-for-word. It was at this point I was informed that I needed to verify my husband 's income. Since I had already done so, had ascertained that his information was received and was sufficient, and had waited XXXX4 weeks between each request, I refused to participate any longer in the unnecessary back-and-forth. I called to ensure all necessary paperwork had been received, which it had, and submitted proof of acceptance of all necessary paperwork. It is now XXXX and I am still receiving requests for my husband 's income verification. I 've now made 4 monthly payments that I can not afford, and I can not afford to wait any longer for them to process my application.
I went on XXXX XXXX to seek for a personal loan and was matched with Upgrade. 

I was offered and loan and selected it to see my rate, I noticed a credit inquiry was pulled when it said it would not pull a credit report. 

Forceablily after pulling my credit I called Upgrade, I was encouraged to provide over documents to approve my loan since I had come this far. 

Even after providing the documents they denied me for reasons out of my control and was given a hard inquiry on my report when I was never supposed to get one.
I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.
# 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. 

# 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
No response. 

# 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. 

I am disputing the amount that added up to {$540.00}
In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX or Transunion.
For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. Equifax, XXXX, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXXXXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXXXXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
I got a notification on a credit monitoring site I use saying there was a new collection for the amount of {$130.00} but there is no info on what type of collection it is. The companies name is " merchants credit guide '' out of XXXX upon further investigating through my states ( Texas ) secretary of state website they do not have a license to be collecting in Texas since 2007.
Unable to reach /talk with a real human to loan rehab my default loans. 
Mailed 2 {$5.00} payments to XXXX XXXX  in XXXX, wi but no one will talk call me back to resolve the matter.
I have contacted this company several times to get validation of this debt they are saying that I owe. They have failed to respond. This is impacting my credit rating and I need this resolved or removed from my report immediately. I do n't know what this is for and I 'm trying to get a contract bearing my signature saying that I owe them anything so I can resolve this matter.
I contacted this company previously in regards to an account they furnish on my credit file. I requested that the company provide me with a contract or documentation bearing my signature and they have done so however, their is no record of billing. The balance owed is just on an alleged move out statement. To the best of knowledge this unit was sold and the contents contained in it was more than this balance because this balance being reflected is not correct. I asked for a complete billing record and was not provided. I also requested documentation from the sale of the unit.
Incorrect information on my credit reports from EXPERIAN, XXXX and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. 


Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX
My loan is currently with Seterus Servicing. I tried to do a short sale in XXXX of 2015 which was declined. I then vacated the premises on XXXX XXXX, 2015 and notified XXXX of that fact. They sent me XXXX modification agreement in XXXX of 2015. I called them and decli8ned. again advised them I vacated the premises and they should initiate foreclosure proceedings. I did n't hear from them except for the occasional statement and XXXX letter advising me that I was declined for assistance. I never asked for assistance..In XX/XX/XXXX I was sent a Notice of Default. Since then, I have been inundated with calls asking me if I want the modification. That would be the modification that I never received and have told them verbally I did not want. I was called on XXXX XXXX. I advised them I did not want the mod, I was n't living in the house an proceed with the foreclosure. On Saturday. 3 days later, I received another call asking me my intention for the house I again told them I was n't living in the house I did n't want any assistance and proceed with foreclosure. This morning, 1 business day later I received another call. I called them back and again told them I wanted no assistance. I also asked why I was receiving daily calls when contact was made and she advised me that because I am in a trial ( what Trial? ) the calls could not be stopped. I told her that it was harassment and she stated that they were within their right to call me every day as long as I was in a trial I did n't want nor never asked .Is n't this against the fair debt collection practices act?
XX/XX/XXXX : purchased a XXXX XXXX XXXX along with a GAP ( Guaranteed Automobile Protection ) Debt Waiver Addendum priced at {$500.00} from Car Finance. 

XX/XX/XXXX : Refinanced with XXXX XXXX. Was told that they do not sell GAP. Received communication that a check was mailed to Car Finance. 

XX/XX/XXXX : Leased a new XXXX XXXX while relinquishing the XXXX. Was told at this time that I may be due a refund concerning the GAP. 

To date I have NOT received a letter from Car Finance stating that the loan was paid off. Per XXXX XXXX, I need that letter to receive the refund which was originally due to me when the loan was paid off by XXXX. 

I have called Car Finance, XXXX XXXX  ( the company they merged with in XXXX ), XXXX XXXX XXXX ( original dealer ), XXXX XXXX. The last I heard was that Car Finance has put this in the laps of XXXX XXXXXXXX XXXX consumer advocacy department. It's been three years. How much longer do I need to wait on this?
Hello, I recently ran my credit report through  XXXX  and found multiple accounts being opened since    2015. Th e details to each account is highlighted on the attached file.     Please advise,  XXXX   XXXX
I have disputed these collections several times with XXXX, Equifax and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to pregnant medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.
I paid the alleged debt on XX/XX/2016 through the same agency that is trying to collect or reported this account to XXXX. ( See attached docs )
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
I froze all three accounts at the credit agencies after XXXX 's breach of trust ( and data ) and signed up for XXXX. Just after XXXX XX/XX/XXXX, I received an email from XXXX 's XXXX that a credit inquiry was made on XX/XX/XXXX. 

I am aware ( and specifically permitted ) the inquiry but it was performed the morning of XX/XX/XXXX. 

I am concerned about the lack of timeliness of the notification and its inaccuracy. If someone had succeeded in creating the loan or gotten into my accounts, they would have been long gone by the time I was notified. And, the misinformation given would not help in identifying who or when the inquiry was made. 

When someone " new '' logs in to my bank or other financial accounts, I get email and text notifications within minutes of the event. XXXX  should be able to do the same thing. 

Attached are 1 ) the Equifax email as a PDF showing date and time, 2 ) a screenshot of the XXXX   showing the date of inquiry as XX/XX/XXXX, and 3 ) a screenshot of the approval email from my bank with a date of XX/XX/XXXX at XXXX.
The following account and credit inquiries listed on my Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) XX/XX/XXXX.
Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.