WillisBack/dataset-financial-user-claim huggingface dataset:
Good evening, I received a Credit Card debt after doing a XXXX XXXX XXXX credit check under the company " CBNA '' which after researching online, I believe is " Citibank North America '' for {$110.00} on XX/XX/2018. 

Under the same line, it shows the following : CBNA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX You can see it in the picture attached. 

I have never opened up a credit card in my entire life and I am very curious as to why I was charged {$110.00}. I can not find any information about this under my XXXX XXXX bank account. 

Please advise, thank you.
I Received alert from XXXX XXXX this bank Syncb/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was running my credit report on XXXX/XXXX/XXXX I did not apply for credit on this day nor with this store if I apply for credit I always apply in person at the stores I have an open account with this bank that I applied in person at the store as I was advised to never give personal information on the phone nor the internet unless I know the company and have verified the security of my information. I called this company to complaine and dispute the Application I was told that i have 2 pending applications the represenitive said he put in the the dispute but it would take up to 60-90 days to clear it up if they could verify fraud I found this to be very unprofessional as it only took them a few minutes to check my credit ( I saw them on my credit report ) As I explainened to the Represenitive for the bank I do not want nor did i apply for a credit card for this store I requested them to remove this application and not give me a card for XXXX XXXX.
I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against STELLAR RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.
Kept calling me all hours snd still do..they told me I could settle my debt for XXXX. And then decided that was n't enough..they are charging me double of what I owe..and went into my account and hacked my computer ... .destroyed it..gave me a worm..threatened to take everything I own..they are suing me for the money I oue them..they said they can enter the Condo I live in, it does n't belong to me.. I was so scared..I do n't think this is right ... they held up my payment and charged me the highest interest.. I lost my job and had to take my early Social security, which is peanut..I asked to help me and they wouldn't.. it 's Walmart..
I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

First Federal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Scenario # 1 On XX/XX/XXXX 3 checks went into my account in this sequence 1st - {$450.00}, 2nd {$53.00}, 3rd {$25.00} which cause me 3 {$35.00} fees. According to Wells Fargo available balance & posting order from page 21, it says, " pay to checks and preauthorized automatic ach payments from lowest to highest dollar amount '' They have done this to me for months. sometimes they do it from lowest to highest and sometimes from highest to lowest. 

Scenario # 2 On Approximately XX/XX/XXXX, I called to replace my account do to a lost check book with unknown number sequence. They mentioned to me that they couldn't replace my account at that time until a new acct representative calls me back. Customer service asked if I wanted to block all transactions or checks only, I requested ALL transactions to be blocked since I couldn't deposit into the account with high risk. Transactions still came in and was charge 4 fees. They  never put an all block hold and they said they couldn't do anything about the fees.
I presently pay XXXX XXXX for credit protection. I check with them periodically to make sure that my Fraud Alert is still in effect. I asked them for a 7 year Fraud Alert on my account in 2016. Just recently when I applied to get a XXXX cable account, I found that my Fraud Alert was not in effect, and that Experian gave out credit information on my account. I was informed by XXXX XXXX that when I ask for a Fraud Alert that they inform the other XXXX companies of my request. When I followed up with Experian I found that this is not so.The other companies are not informed of my Fraud Alert and I have to do this individually with each company. I was able to put on a 90 day Fraud Alert over the phone with Experian. But had to re-activate the 7 year Fraud Alert with XXXX XXXX once again, even though I was informed by XXXX XXXX that it was in place in 2016. Furthermore, I wanted to update my telephone number. I had changed my home phone number to a new one. I could not do this with XXXX XXXX over the phone. One of the three questions that were asked did not pertain to me so they decided that I had FAILED the test, and would not change my phone number. The agents all in XXXX were rude and very unaccommodating. I could not believe their treatment of me in both of the Fraud Alert sections in Experian and in XXXX XXXX. To date, I have been asked to submit ( 2 ) proofs of identity, a current bill with my address on it and a cover letter informing them that I have changed my home telephone number. Experian and XXXX XXXX have asked for all of the above, yet Experian went ahead and released my credit information to XXXX in any case. I believe the system of the XXXX credit companies to be very confusing to the consumer and far from uniform. Each company works independently and not interdependently as the consumer as led to believe. Also, the fact that you are speaking with representatives who are all in XXXX makes it difficult for the consumer to understand them clearly. In addition, the questions asked of the consumer in order to be able to change information over the telephone in most cases are inaccurate and not applicable in my case.
MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ).  THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING. 
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/XXXX **XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX : # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. # 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON X/X/2017. # 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX AND RECEIVED BY ME ON X/X/17. # 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair CreditReporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices  ActSection 807 ( 8 ) by not placing the disclosure within the required 30-day period.
I received a letter throug h Magistrate Court  on  XXXX   XXXX ,  2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on  XXXX   XXXX ,    2017  and had to leave a voicemail with their representative assigned to my case. He did n't call back until  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,  2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today,  XXXX   XXXX ,  2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!
I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with Equifax, XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
I submitted a short sale package along with an offer to Capital One Bank on XXXX XXXX, 2016. A review to participate in a short sale was completed on XXXX XXXX, 2016. As of that date, the file is in the process of being assigned to a negotiator and nothing has happened in reference to an actual review of the offer. It has been 15 business days of inactivity and we can lose the prospective buyer because of their inaction.
Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.
Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance
I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} DXXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Bank of America has improperly charged me fees to the amount of {$8.00} every month for the past 3 months. I have had to call in every time, waiting on hold for a ridiculous amount of time to get a hold of someone in customer service who, though they reverse the charge, has failed to resolve the issue permanently. This fee was charged for paper statements ; at no point did I ever sign up for paper statements -- further, I never received any of the paper statements in the mail that they were charging me for. Though I have gotten my money back, and hope it wo n't happen again ( do n't understand why it ca n't all be done on their side ), it has gotten immensely annoying to have to call and go through this entire process time and time again. I am writing to the CFPB so they are aware of the issue and that Bank of America takes better steps to make sure this does not happen again with me or with other customers.
Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''. 

My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.
This company called " tecco Systems '' has been harassing me for over a month about a debt incurred way back in XX/XX/XXXX.One the first call. some lady just called me out of the blue and started yelling and screaming at me that I " BETTER PAY! - you-d BETTER PAY ME! " ... .I asked her to send me paperwork about what this was about.. 
I actually had to call back, to make sure this was a company, and not just some woman who may have got my credit report.Also, there was NO mention that the call was being recorded, and no disclaimer that " this is an effort to collect a debt. '' etc, turns out this XXXX dollar debt was from a doctor..awy back in XX/XX/XXXX XXXX and ahllf years ago. I made arrangements with that doctor, and I do n't understand why this company is harassing me now. obviously, this was a case closed, years ago. 
I did now receive anything in the mail, as I had requested., they called and harassed me repeatedly, even on XX/XX/XXXX and XX/XX/XXXX.Today I answered their call, again stated that I neede a copy of why I owed this, they jut said they sent it. I never got it and I got screamed at again, by a woman named " XXXX '' .she said " look if you 're not gon na pay, we 'll just put this as a collection on your credit report '' I never said I was n't going to pay, I merely asked for validation oof the debt. 
I have always paid my debts. being screamed at over something that was resolved in XX/XX/XXXX, is deplorable. Still. no " this call is from a collector.. '' disclaimer and I had to ask if this conversation was being recorded. she said no. I said, well this, conversation SHOULD be recorded ''. she yelled that they mailed me something on XX/XX/XXXX XXXX, no,,, I do n't hink so, I never got it. she told me that I had to email Them for them to email me a copy of whatever they sent me. Anyway ... .they are violating the fair debt collection practices in SO many ways. " tecco systems ''
I have been trying to do a home loan modification and I have repeatedly informed Bank of America that I am XXXX and need assistance in completing the modification. They have ignored my request and are going to foreclose on my home. I am elderly and XXXX and have no where to go and no way to get there. I believe bank of America has always planned on foreclosing on me because I am elderly and XXXX make me an easy target for them. My Bank of America home loan # XXXX
I am a part of the Equifax data breach announced recently XXXX XXXX XXXX and am filing a complaint to ensure that proper action is taken on my, and others ' behalf.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.