WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2011, I had some fraudulent activity occurring with my checking account through Bank of America. The activity happened at an ATM, which is fully equipped with cameras. Upon learning of the incident, I immediately filed a police report with the XXXX police department and submitted a copy to Bank of America. Now even after submitting a copy of the police report and being told that the person on the camera was not me, I was told by the bank that the only way the fraud could occur was for someone to have access to my pin number, which was in a sleeve with my card, as this was a new account. I was also told that since I did not secure my pin number, that I was considered an accessory, and was permanently band from Bank of America, not only did they band me from their facilities, they also entered my name on a fraud report, which denies me the right to utilize any other bank.
Beginning on  XXXX / XXXX /  XXXX   we started autopay on our mortgage loan with US Bank.   The amount was {$50.00} more than the monthly payment and was to be applied to principle. What we discovered is that US Bank has only been applying {$22.00} of that amount to the principle. I called today and they said they would n't go back and adjust but would make sure that the overage was to go to principle only. They said I would need to prove that was what we wanted. I explained that my statement shows the {$22.00} being applied to the principle so that is acknowledgement on their end that they knew the overage was to be to principle. This has been going on since the onset of our loan. I believe it has been going to interest. The amount due has changed periodically due to increase in property taxes, but is still less than what we specified for application when we started autopay. I asked the  CSR  how made the decision where to apply the overage and why no one contacted us? What can we do about this? we can show we 've been paying over the amount due since day one.
XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX Alabama. I have tried calling them. No success. This is my daughter account who live in Alabama. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my Nevada ID and address. From XXXX to present. Please remove.
On Monday, XXXX XXXX, 2015, My next door neighbor received a voicemail message from a XXXX XXXX, Sallie Mae Student Loans, who left a phone number XXXX, ext. XXXX, asking my neighbor to contact me about someone I am related to, regarding time sensitive information she had for him. 
This is very disturbing and a clear violation of privacy.
I XXXX XXXX went to close my bank checking account at TD Bank and the manager told me that my account would be closed automatically after 30 days if no charges were posted. 
And the reason why i am here today is to inform that i never was notified by the Bank Institution allowing me to know that my account was overdraft with extremely high interest rating posted on my XXXX report preventing me to open a new bank account anywhere in U.S.A. 
I also recently Filled a consumer Complaint with my Attorney 's General and XXXX regarding this issue. 
Reason why took me so long to solve this issue was only because recently i went to try to open a bank account and i got denied because of what TD Bank is charging me out standing fees that i don't believe these fees were supposed to be charged to begin with because my account was closed by me before these fees were applied. 

Thank you very much for your time and hope to hear from CFPB as soon as possible to help me waive these outrageous Bank fees.
in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my report.
XXXX XXXX XXXX, XXXX, cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local XXXX XXXX ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.
I have been attempting to work with Optimum Outcomes who is collecting on my medical debt. They wo n't provide written communication without me repeatedly calling and they will not allow me to make reasonable monthly payments on the debt. I am given different options each time I place a call and none of them make sense or are reasonable. One persons said that they would let me pay half of the debt owed as a settlement but when I called back I was told that I could only get 10 % off. Then when I attempted to make a payment arrangement of {$50.00} per month I was told that they could n't accept that and they would continue to report me to the credit agencies. I also asked to settle the debt for {$500.00}. They claimed that they would contact the original lender to review this but they never followed up with me so I called back and they said no. I asked for documentation and they said that they do n't provide documentation. I keep getting the run around and I need resolution.
Before all my accounts where absorbed by NAVIENT, they were deferred, so its Impossible that there was a late payment on XXXX XXXX. Most likely what happened is that because of the big change from us department of education loan services to Navient exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XXXX for 90 days when until XXXX everything in good standing as well as XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an 8 month old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
PM
In XX/XX/2016, Navy Federal Credit Union stated I have a loan balance with them in the amount of {$1100.00}. with fees added, totaling {$1200.00}. NFCU offered me a settlement of {$630.00}. the settlement was paid in XX/XX/2016. Today, XX/XX/2016, I am reviewing my XXXX credit report and NFCU is reporting that the {$1200.00} has been written off vs paid in settlement. I spoke with NFCU and they claimed there 's nothing they could do to change the " falsely '' reporting information and it is XXXX reporting the information and not NFCU.
Diversified consultant is attempting to collect on a debt that was disputed and closed with another company. I 've already filed a claim against this company. The company agreed to delete the collection from all three collections agencies. The company deleted account BUT ADDED it back a few days later for a higher amount.. I do dnt owe Diversified consultant anything the accounts that they are trying to get money on was DISPUTED AND CLOSED.. Diversified consultant and NOT SHOW ME VALIDATIONS OF THE ACCOUNTS.. Diversified consultant bought this old disputed and closed account.
I have not signed anything with this collection company. Diversified h
ave 2 accounts with amounts of {$200.00} and {$290.00}.
Diversified also stated in the claim and letter that they will delete the account from all 3 credit bureaus .. 
I will file a complaint with the BBB asap..
Khohls/CapOne is currently reporting a CHARGE-OFF on my credit that they have sold to different companies. These companies have determined that I AM NOT responsible for this account. And have removed them from my report. 
The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification to verify these accounts. According FCRA 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days of receipt and must promptly give you additional relevant information provided by the consumer if the Original creditor does not respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files Kohls/CapOne is also violating FCRA validation laws. 
in XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX XXXX. XXXX ), XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX ), XXXX XXXX App. XXXX  XXXX XXXX, because credit reporting may be considered collection activity, debt collectors should not furnish information to the credit reporting agencies until the validation/verification period has expired and the debt collector has not received a dispute. Then the debt collector wont have to request deletion of the trade-line to avoid violating 1692g ( b ) in the event it can not validate the account. 
XXXX, XXXX, XXXX are also violating the Fair Credit Reporting Act, 15 U.S. C. 1681, etseq.., and their actions violated the Fair Debt Collection Practices Act, 15 U.S. C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ), 1. The account originated from a different address than my own. 
2. The Statute of Limitations for Companies to Collect on a unsecured contract is 4 years in the State of California. 
3. XXXX and XXXX  have NOT done a proper investigation of these accounts. To Reply to me with a FORM letter is Violation of FCRA 605 and FCRA guidelines for INVESTIGATION
In the process of obtaining an adult guardianship for my mother. My mother is being financially manipulated by a fake priest. Signed legal documents were served upon Chase Bank instructing them to freeze a specific checking account/annuity accounts that are jointly named XXXX XXXX XXXX. Rather, Chase Bank went and froze every account under the name of my mother. This problem has been lasting over a week and my mother has general routine bills that she has to pay. I have been paying legal fees of {$470.00} hour in an attempt to have XXXX fix the mistake in which they made. The last contact was that XXXX at a local Chase Bank forwarded the relevant documents from the court to the legal department on XX/XX/XXXX, 2017, to unfreeze the accounts that Chase mistakenly froze. 

I am jointly listed on the primary checking account ending in XXXX and the related accounts as per Chase Bank statements.
Letters regarding inquiries found on my credit were submitted  XXXX  to TransUnion, and  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from   XXXX   nor an update. A second letter was sent on  XXXX .
XXXX and Equifax refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!
I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. 

Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. 

In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.
Ability Recovery Services is trying to collect a debt from XXXX XXXX schools to which I do not owe. I previously sent a complaint in from XXXX XXXX and they indicated they had the wrong person and deleted the marks off my credit. However with Ability Recovery Services, I have gone around with them on the phone and the last person I spoke to named " XXXX '' said they are right across the street from XXXX XXXX, and if I would pay the reduced amount of XXXX that they would remove it from my credit. I told her as I told other representatives at the company, I only went to XXXX XXXX one time in 2007 and now all of a sudden i have two different collection agencies saying I owe XXXX XXXX!!! This school is a fraud, and they claim someone signs up for classes and then tries to charge people for an entire amount of their program. If anyone has collection agencies from XXXX XXXX submit a complaint on here!!
We opened a Bank of America mortgage in XXXX XXXX. We have since went through XXXX modifications with them in which we were told not to make payments on our current mortgage until our modification was approved. Once our loan was modified our payments were not shown as made on time and our new balance on our loan was never shown. We have also been on time with payments since the beginning of XXXX but Bank of America shows XXXX, 30 day late payments at the end of last year. I have the receipts showing when those payments were made and still Bank of America and the credit bureaus have refused to remove the 30 day late marks on our credit.
On multiple occasions over the course of   XX/XX/XXXX   and  XX/XX/XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.
On XX/XX/XXXX I used a bank of America atm to deposit cash/checks that needed to be in account before the next morning to pay rent, bills, ECT. I normally wouldn't deposit that much cash in atm but it was important it was in account immediately. 3 of the 4 atms were frozen and the atm I had used never disbursed a deposit slip after I deposited a check for {$220.00} And {$3200.00} CASH. Upon checking account again for my deposit I then received a debit card alert. I was unable to get ahold of anyone of the weekend and the usual verification text/email that I get to verify my account never came. I spoke to three reps on Monday XX/XX/XXXX and was informed by the final rep at XXXX that the atm i had used had a lot of fraud in the area and that is why I received debit alert. I was told my deposit would be disputed and investigated up to 90 days and I should be receiving my {$3200.00} CASH back. I decided to keep account with bank of America closed and opened an account somewhere else as they have been nothing but problems this past year I received notice that I have a negative balance of {$490.00} on my account which is false. Wht would I owe anything as I haven't used the account and they informed me checks from a catering job I had done recently were written on a closed account. If this is the case it is their responsibility as my bank to help me dispute these checks and protect me as a customer. They haven't done so. Now I am being told by my employer they are holding the funds of my direct deposit he has requested to be reversed. This is against the law as my employer should not be punished in any way shape or form for my account issues and if the account is closed they are to return the funds to sender. My employer paid me with a personal check up on reversing direct deposit and now he is out {$170.00} And I did not receive my paycheck this week because of this and still owe him for another 4 hours. Bank of America needs to own up to their mistakes and pay me and my employer back for this.
Hi, I did sent mony from XXXX to XXXX {$1200.00} but the system exchange it to current currency and I called customer care to cancel the order and I got approved for that. Four days later I called back WU and they said it is not canceled and we give you points for next transfer. The problem is that the receiver can not get that money because it is not in Dollar. I want you return the money back or make it Dollars. I have called many times and these are the reference numbers XXXX - XXXX. They said the receiver must reject the money first. The problem is that the reciver is not even know where it is. The bank and WU in XXXX says no money come yet. Now, I need a solution or I am going to sue you next week because of difficulties in my business. I do n't respect that happened to me in my first time I use WU. please cancel the order as I requested before on time and return the money back so I can find a better way to transfer or make change to the money to be received on Dollars. Again, receiver can not find it. 
XXXX XXXX XXXX XXXXXXXXXXXX
PURCHASE AUTHORIZED ON XX/XX/XXXX PP*GOOGLE VISUALBL XXXX CA XXXX CARD XXXX XX/XX/2018 - XXXX XXXX Posted XX/XX/2018 - Google Play Purchase Omission Civil Harassment - Judicial Misconducts ( CA, NM )
An attorney representing XXXX sent me an envelope that disclosed my personal information in the window of the envelope. This is clearly a violation which i have a picture.
I was called on XX/XX/XXXX about a debt collection. When I returned the call I found out that they were trying to reach someone else but had the wrong number. I asked them to remove my number from their list and to not call me again. 
Today, XX/XX/XXXX they called again looking for the same person after I told them to remove me from their list because they have the wrong number. I'm tired of being harassed for someone else 's debt. They keep looking for a XXXX XXXX, and I am not him.
This dispute was origianlly filed under XXXX but was closed as a duplicte which it was not and if it had been looked at the difference in account number and balance stated would have been recognised. 

In XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$410.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$410.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX  validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, XXXX, EQUIFAX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE