WillisBack/dataset-financial-user-claim huggingface dataset:
my wife and i took out  XXXX  catcall loans for {$2500.00} each during the  XXXX  of  XXXX  or   XXXX   when we missed payments they wanted everything in full with huge interest attached. we could not pay they called and harassed and sent letters about a year ago they gave the accounts or sold not sure to an attorney in los angeles now they want over {$30000.00} dollars in interest and they have put judgments on us for this. i do not feel like these dollar amounts are legitimate and have been reading articles that catcall was over charging customers with interest and had lost a lawsuit the attorney who has or works with catcall is  XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  CA  XXXX   XXXX  also cash call should have the records my name is  XXXX   XXXX  and my wife is  XXXX   XXXX
My previous employer, for whom I was XXXX, put my name on his State Farm credit card to allow me access to his account to make payments on his account, use it to pay for his purchases, make inquiries, etc. I believe this was in XXXX or XXXX. I recently discovered in checking my credit information on XXXX XXXX that this account was added to my credit information recently. It was not on my credit report originally or at any time prior to now. When I called State Farm because I suspected fraud, I was advised my name was on the account owned by my employer. State Farm sent a letter requiring both of our signatures to remove me as a card holder. I have now discovered this request was denied. I am a single mother and only make {$XXXX} a year, but have only my house payment, an occasional small balance on my own credit card, and my credit score was previously in the XXXX. This card with a $ XXXX balance has reduced my credit score to XXXX. I will also be in need of a new/used vehicle in the next year and am very worried about how this will affect my ability to obtain a loan or result in an increased interest rate. Also, if he were ever to default I do not want to be responsible for debt not mine. I can not afford an attorney and do not know where to turn. My previous employer said he is having his attorney follow up on it after tax season, but this is too important for me to rely on someone else to resolve.
This account is reporting a total of 6 missed payments that are not correct, Also XXXX fhows 6 missed payments but Transunion shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect missed payments reporting.
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
To whom this may concern, When I checked my credit report I seen where a debt was reported by XXXX. I filed XXXX disputes with trans union and did n't receive any verification to prove debt was mines. I had an apartment with XXXX and had a bed bug incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being attacked by bed bugs and washing all of our clothes and shoes costing me XXXX of dollars, when I called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me I could terminate the lease but I was still entitled to pay XXXX 2014 rent which I paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to trans union and they advised they do n't verify if debt is actually yours with written documentation they just call. I spoke with the supervisor from trans union who did n't call me back. This has been a disaster I am a single dad and this is hindering from getting an apartment. Please Help!!!!!
Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people's money!!!!
I have two checking accounts with Capital One and have had these accounts for approximately 10 years. For the past few years the bank has been charging me {$35.00} for overdraft protection on each account and also {$35.00} for insufficient funds. These charges have often added up to {$300.00} or {$400.00} per month, which is very hard on me as I rely mostly on social security and a small pension for a living and am frequently low on funds as I wait for my next check. I have also signed up for several automatic debits - for car insurance, for a donation to public radio, etc. Regarding overdraft protection sometime the bank pays an item sometimes it does not. Either way they charge me {$35.00}. And I do not understand their policy -- why pay some things and then not pay others? Also many times I am charged {$35.00} for a 10 or less debit. Recently I called the bank and asked that overdraft protection be stopped on both accounts. I was told if I did that that I would only be charged an insufficient funds fee for actual checks I wrote or for automatic debits. I proceeded to call all my automatic debits and cancelled them or told them to bill me directly not bill my account. When my XXXX cell phone payment hit my account a few days ago it was not an automatic debit. I paid it at the time. The bank charged me {$35.00} and bounced it, despite telling me only automatic debits would be charged the fee. XXXX resubmitted the bill and the bank charged me {$35.00} again. So {$70.00} on one bill. I also believe on many occasions over the past 3 years the bank has re-ordered the timing of debits so that they could charge more fees. 
I understand banks in the USA make {$18.00} billion or more a year on these fees. This is usury plain and simple. How is this different from payday loans? At least with the loan someone gets money to pay the bill. Banks like Capital One are taking advantage of people often with limited incomes who need a checking account to pay bills and do n't know about alternatives. The bank has zero or little costs when I bounce a check or have insufficient funds - so why are they allowed to charge a fee if no service is provided to me and they incur no costs? Why does the government allow this? Could it be because the big banks donate to our politicians? Who is going to take care of the little guy and change the law on this so banks can no longer get away with it?? Is n't that the role of our government?
Initial credit limit was XXXX I opened account 15 months ago, paid on time every month usually more than is due and usually to cover any interest charged Back in XX/XX/XXXX and again XXXX they have decreased my limit each time by XXXX and have reported the decreased limit to the credit bureau causing my credit score to be damaged I called and was told its based on my overall credit balance off all combined creditors the reserve the right to decrease my limit. Every payment has been made on time. I said to them I understand not raising my limit but do not feel the decrease and negative reporting to the credit bureau is fair
Getting phone calls from Monarch Recovery everyday. Ask them to remove and no longer call. This is not my debt. They call for a person that did not live here. We have been in our house since 2005. They keep calling. They say they will remove our number, but never do. 

( from number XXXX )
I have a private student loan with citibankfor approximately XXXX I filed bankruptcy in XXXX XXXX. From XXXX XXXX to XXXX XXXX Citibank could not contact me due the bankruptcy procedure. I received a letter in XX/XX/XXXX saying I owed the full amount. Prior to the stopping of communication due to my bankruptcy I was in deferment. When I spoke to Citibank when they contacted me by phone I said I was in deferment prior and wanted to know what could be done to get either back on or work with payments. They said I needed the payment in full which was XXXX, I was unemployed from XXXX XXXX until XXXX XXXX, I was receiving less than XXXX a month in unemployment which ended 2 months prior to me receiving my current job which is part time making about the same. Citibank refuses to work with me, they say I will be in default, I am 134 days past due as of XX/XX/XXXX, I was under the impression default is 270 days past due. I am not financially able to make a XXXX payment and they offered to take XXXX which is more than XXXX % of my current pay. I am not trying to not pay, I just would like to either be able to do a deferment or forbearance or make a lower monthly payment.
I have contacted Transunion on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, After properly disputing this account four times i received a letter from transunion stating that i needed to contact the collection company, and that the account had been verified and will stay on my credit report. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Transunion the letter i received. Transunion still refuses to remove this account from my file even after getting proof that the account can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has not provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. Transunion has not sent me information in regards to how they have verified this account and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to receive documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Transunion is willfully withholding information in my credit file from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
I started receiving e-mails from XXXX XXXX and XXXX XXXX   on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX card, and XXXX XXXX, XXXX, XXXX and TransUnion account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach XXXX or TansUnion by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on XXXX and TransUnion. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the XXXX Breach. Although my first indication that something was wrong was onXX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my TransUnion account due to tampering therefore I can not freeze that Bureau. I can not access XXXX by phone or on-line to freeze that Bureau. I have called and spoken to someone at XXXX whose sole purpose is to tell you to go to http : XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me ofXX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the XXXX XXXX Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, NC Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, CO Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX This is an e-mail account that I never created
I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted Experian, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, Experian or XXXX  have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX  used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
I spoke with Credir Adjustments Inc after receiving a debt thats not owed. I asked them to validate the debt and the couldnt. They stated that they got the collection from XXXX. I did in fact call XXXX billing department they looked through my bills and seen that the bill never went into collections and they have no idea to how this company ended up with my information as the bill was paid by my medical insurance.
Rushcard has blocked me from retrieving my funds out of my account for {$900.00} that are in my account due to their update of the system on XXXX/XXXX/2015. I have talked to customer service on many occasion just to be told the system is still updating and an escalation had been placed in the back office for review of my account. Plus due to the system update it caused my current debit cards to be inactive which is keeping me from getting my money.
You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a  detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
In XX/XX/XXXX I attended the university XXXX school on line. However to do the classes I had to get a student loan, which at that time I got approved for. Having said that I was approved for an amount that should pay for the entire cost, but it turns out not to be the case. XXXX more classes to finish the entire cost I was told that I do n't have anymore money so I will have to pay out of my pocket if I want to do the last XXXX classes. Something did n't feel right so I never get to finish my degree up to this day. Then one day I heard the school is under investigation, and the following day I had some one called offering me a student loan forgiveness and I will not have to pay back the loan. I did n't take the deal because I knew nothing about it or if it was a scam just so they could get my information. I was never able to make the high monthly payments they were asking for so they ended up putting me on forbearance. We are in XX/XX/XXXX and up to now each year I have to be on forbearance, because I ca n't afford the payment. I even filed for bankruptcy hoping that they will remove it, since they are under investigation but they did not an the total just keeps getting higher and higher with interest accumulated. This is now on my credit report causing lots of damage.
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. After the theft several accounts were opened in my name. I reviewed my chexsystems report and found the following account reported : XXXX XXXX XXXX / XXXX XXXX This account is not mine and I did not open it. 

I have attached a copy of the police report.
I pulled my credit reports and noticed I am a " joint '' with a XXXX XXXX?? 
I am not aware of this company and I have never co signed with anyone for an auto loan. I have a vehicle. I have sent a certified validation letter to the address which the credit bureaus provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this company refuses to validate my signature or provide me with ANY paperwork for which I have signed for this vehicle. They have no paperwork because I did not co sign for anybody. I have NO KNOWLEDGE of this company. I need this removed from my credit ASAP. For this is holding me up from getting school loans for college.
my mother and i owned a home between us, while i was not on the deed, she took out a reverse mortgage in XX/XX/XXXX, she passed away in XX/XX/XXXX. A month later I received a bank letter of default, she never informed me of doing this so it was a shock. I have been living this never ending nightmare since than. On the advise of a attorney to protect my interest in the home and property as i had help purchase the home originally with inheritance money, I filed a Chapter XXXX. The bank had several opportunities to contest, they did not, than a year into the bankruptcy and a confirmed plan, the servicer for the bank filed a motion to lift the stay. I have found papers and mailings to my mother which obviously had her fooled to thinking this was a wise decision. My mother left everything in a trust for my children and we also had a notorized agreement that the home was 1/2 mine. There is a stack of mortgage papers atleast XXXX inches think, there is no way all that was explained to her, just initial here areas and no indication of having any legal advise. What appears to be the first mailing to her the pamplet is briefly written and sounds wonderful to our elderly family members, I see how easily they can get fooled. I have been in bankruptcy just about every few weeks lately, with this horrendous fight. Another issue I have had is people really understanding the reverse mortgage differences vs traditional.At first the judge saw the 'human side ' to my story, and saw 'red flags ' when the term 'reverse mortgage ' came up. I thought i had a fighting chance. However, with many loopholes and people really being misinformed, the judge decided to grant their motion to proceed with the foreclosure.just today. I am devastated. I am a firm believer these need to stop, the loopholes and strings they use is incredible and like sugar coated crimes against the elderly and their heirs, This company has made no attempt to work with me even when the matter was brought to court on accepting payments from me, they refused, saying they have no obligation to do so and that was just during the bankruptcy plan till a refi could be obtained.i believe this was a misleading and deceptive transaction and want some resolution to keep my home from these vultures on our loved ones