WillisBack/dataset-financial-user-claim huggingface dataset:
The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.
Yesterday, we loaded XXXX for XXXX. We used the feature to download account information and transactions from Wells Fargo Bank, which worked well. Then we received an email from Wells Fargo saying our account would be charged for the download service. We had no idea that there would be a fee, given how quickly and easily we clicked buttons to perform the automatic, electronic accounting, during which no fee opt-ins were generated. So we called Wells Fargo today and said we did not want to use the service or be charged for it. The call center lady transferred us to the XXXX specialist, who said there was another way to download the data via XXXX servers, at no charge. The XXXX specialist walked us through the setup, which required precisely the same steps we originally used. We asked what she did on her side to now make the service free. She said that she had not changed anything. We thanked her for making the service free, and asked whether the call was recorded. She said it was. We then requested that she print the transcript and send it up the Wells Fargo chain, since they 've recently been slammed for setting up XXXX unauthorized credit card users, with a penalty of XXXX. If Wells Fargo wants to be successful at bait and switch, at least they need to learn how to do it right. Seems they are getting fatter and happier, knowing they are too big to jail.
i respectfully ask that all loans that are outside the SOL for Texas be removed from my credit reports ASAP.Please remove all loans that are outside the statue of limitation of 4-7 years ASAP. Thank you. This should be done on all CRAs. I have emailed several times and it has been more than 30 days since my original request. Under the FCRA, you are legally obligated to respond. Please remove the student loans from my CRA reports immediately. They have been removed from XXXX, and should be removed from all others as well.
Due to b eing honorably discharged from  the  XXXX   XXXX , I was no longer eligible for reduced rates in accordance with Servicemember 's Civil Relief Act. This triggered a new schedule with Great Lakes. According to their policy they chose not to deduct money from my account for a month and changed my payment to the minimum without my permission. Their response to why this happened was because I was not required to make a payment that month and they did not want an unexpected amount to leave my account due to the change in interest. They continued to charge me interest for this " unrequired '' monthly payment and my auto pay is set at a dollar amount. This policy seems purposefully designed to disadvantage the consumer.
We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Social Security is making a false report to the credit bureau that we owe them money and that we have n't paid according to the agreement. We had no agreement and do n't owe them anything. The credit bureau wont remove this negative info and were stuck in an endless loop of nobody will protect us from this extortion by the Government Social Security division. Extortion is exactly what it is, you pay or else and nobody can check our hand.
I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX
I am trying to remove fraud alert and freeze placed on my credit account in yr 2000. Was given the runaround. My credit reading is XXXX. I was a victim of the XXXX health fraud scheme and was trying to remove it. I did n't answer some of their questions because some banks supply credit cards for companies, stores, etc and I do n't recognize all of them when they are read over the phone. I failed their test. When I called back in, phone system said I took too many options and hung up on me. This is after waiting 10 min initially. I have an official form letter that I am sending Transunion.
Hello, I received a call for an unknown number on XX/XX/XXXX. The woman stated she was scheduled to process serve me papers on XX/XX/XXXX in regards to a civil suit. When I pushed for detail, she gave me a telephone number ( XXXX ) XXXX and a File ID # XXXX to call. I call this number and explained what the woman said. The man asked me for my name and case ID number. I asked him who he was with and he said XXXX XXXX XXXX XXXX. He asked me to hold, so he could reach out to the assigned attorney for a hard copy of my case file. Both he and the woman asked me to confirm the last -four digits of my SSN ( which I did after they repeated it to me ) several times. 

After waiting for a couple of minutes, the man states their client Huntington Bank is planning to file a civil suit against me for a 2008 overdraft balance of {$660.00} for an account ending in XXXX. I asked for a written documentation, of the alleged balance due, court filings, etc, but he said the client has sent me letters in an attempt to clear up the debt. However, I have received absolutely nothing. I did have an account briefly with Huntington, but I did close it once I moved away from their branches, so I do not believe in good faith that I have outstanding debt. 

He also said unless I agreed to give him my payment information right now and over the phone, he would mark my account as " in dispute '', and I would be served on XX/XX/XXXXby the woman who initially called me. He said he was a mediator and could help settle this for less than what the suit will cost me. I told him I would not provide credit or bank card information over the phone without some kind of written proof from their office or the client. I had not received any written communication from Huntington Bank or company hired to represent them. 

He said I would receive written confirmation of the debt owed thru XXXX once I set up a payment plan with him ( as he said he was acting on behalf of the assigned attorney ). I declined to provide my payment information over the phone and without proof. He said I can then expect to be served, and hung up on me. 

Thank you for your assistance.
I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto my credit report.
I received a phone call from a " collection agency '' who claimed I still owed a debt to XXXX XXXX XXXX XXXX in excess of $ XXXX. That debt was dismissed in bankruptcy over 30 years ago and the credit union no longer exists. They wanted me to send some money to them and they would make the debt disappear. The phone number they use is XXXX XXXX XXXX. They had called several times a week or XXXX earlier This is an obvious scam. You have the expertise to look up their number, find out who and where they are, and do something about it. If you do not want to do anything about it, tell me who they are and where they are and I will handle it myself. Thank you.
A XXXX XXXX from Pioneer Recovery Services ( XXXX ) has called at least XXXX co-workers -- on their cell phones -- which is in direct violation of the Fair Credit Act.
Santander Auto Finance charged me unsubstantiated late charges displacing my principal and interest payments to pay said fees and then charge me for missing principal payments at the end of my contract with them, also adding payments that were not agreed upon at the initiation of the contract. The payments in question were made via XXXX XXXX services at my local XXXX, and were made in ample time, using " Next Day Payment ''. They may well have credited these payments whenever they saw fit, this is not MY problem. I am planing on logging a complaint with my local court system. I will not rest until this is resolved and not their usual Santander is always right. Santander Bank XXXX, tries to distance itself from this portion of their institution but they can not. I hold XXXX XXXX, XXXX of Santander Bank XXXX, just as responsible as the XXXX callcenter drones that robotically spiel their scripts. This company/corporation/people are deplorable, disreputable and disgusting.
An extended fraud alert was placed on XXXX/XXXX/XXXX with Transunion File # XXXX. I was told it would last 7 yrs : XXXX. Sometime between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, an individual, who has been fraudulently using my Social Security Number for at least 12 years to try to open lines of credit and earn wages, was given access to my credit profile and was able to successfully change or add the name, address and fraud alert contact number to her own, therefore being able to successfully secure at least XXXX lines of credit with a credit card company. This is unacceptable and does not make any sense. I specifically named her as an identity thief with the FTC and Transunion going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX/XXXX/XXXX, a Transunion representative says they are " repairing '' my credit profile, but refused to provide me with a copy of the credit file showing how my information had been manipulated so that I could add this info to the policy report and further protect myself. The other credit bureaus ask you to mail in your requests - which is leaving an victim of identity fraud open to more fraud ( mail theft???? ). This is a thoroughly maddening and disappointing process and something needs to be done so that the credit bureaus start adding layers of fraud protection and identity verification. It is harder to change info on my email account than it is to change info related to my SSN. This is unacceptable.
The XXXX month I paid my BOA credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another " minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} " minimum interest charge. '' This time I was told even though BOA was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't BOA, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you.
I have some collection removed from my file in XXXX 2017, then after awhile I look at Equifax and XXXX XXXX and they were back on my file.
This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and XXXX  and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.
on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over XXXX dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and XXXX complaint for crimes that take place over the internet.
I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni
XX/XX/18 I, XXXX XXXX, received a phone call at work stating I have an account in collections and my name isn't even on the account. It is NOT my debt and they didn't bother to confirm who the owner is. Apparently they have been harassing my previous employer about it and never once sent anything in the mail to advise me they had an account in my name or I would have disputed it previously. This account isn't mine nor have I ever had this account in my name. My wife has faxed over a letter today stating they are not to contact me any more especially at work. They need to confirm who this account belongs to. Also, I filed Ch XXXX bankruptcy and they show it was included.
I received an online cash advance and was told that it was going to be a long-term loan with small payments however that is not the way that it was set up and when I extended my payments they started harassing me numerous times a day with calls after I asked them to not call me until I could afford to pay it back due to XXXX  XXXX situation that I've been in I had to change jobs .I 've explained all this to them and they still continuously call me and harass me. This morning they called and I said stop calling my phone and then commenced to call me back three more times always from different numbers as if to trick me.
Company : Citi/CBNA Amount Owed : {$290.00} Date Opened : XX/XX/2014 Date Closed : XX/XX/2014 I never opened this card with CITI/CBNA. I disputed this on XXXX XXXX three months ago and still havent heard a response.
XX/XX/XXXX Certified Mail No : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA   XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing, Inc XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX XXXX : NOTICE OF VALIDATION OF ALLEGED DEBT Your File : XXXX Loan No : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA   XXXX Dear Sir, This letter dated XX/XX/XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the Fair Debt Collections Practices Act as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt,  per The Fair Debt Collections Practices Act, FDCPA. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under FDCPA to cease and desist ALL collection activity until validation of the original note is provided. 

This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. 
Please provide the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 
4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5.  Provide copies of any papers that show that I agreed to pay the alleged debt. 
6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 
8. Provide evidence that the Statute of Limitations has not expired on this account. 
9. Provide evidence that you are licensed to collect in my state. 
10. Provide your license numbers and the Alleged Lender 's Registered Agent. 

Please provide the above information within five ( 5 ) business days from the postmark date to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Refinanced Home Equity Mortgage. Payment was sent to previous lender in the amount they specified. I have since received a bill requesting an addition {$100.00} to {$190.00} dollars to close the account. The payoff payment sent was for {$23000.00} and the last Nationstar statement balance was {$23000.00}.
In XX/XX/XXXX I applied for a home loan. When my credit report was reviewed, there was derogatory information being reported by aXX/XX/XXXX Account with XXXX XXXX. 

Upon contacting XXXX XXXX/XXXX XXXX, I was informed that the account was sold/transferred to a collection agency - XXXX at XXXX. When I spoke with XXXX, I was informed that my personal information was incorrect and that the collection account would be returned back to XXXX XXXX/XXXX XXXX. 

I contacted XXXX XXXX/XXXX XXXX a few times to dispute/correct this account and received a letter from them dated XX/XX/XXXX that they were reviewing their records. Once the account was back with XXXX XXXX/XXXX XXXX, on XX/XX/XXXX, I spoke with a supervisor ( XXXX ) who acknowledged the mistake and provided me with the original balance that was due. I immediately paid the balance ( confirmation # XXXX for {$69.00} ) and was informed that they would correct the past due and collection activity that was reported to the credit bureaus. 

Today is the 66th day and there has been no update reflected on my credit report.
I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay it.
I was notified by Navient that it was time to pay my student loans in XX/XX/XXXX so I submitted all paper work the month before. They came back saying that I would have to pay five hundred something dollars a month. So I resubmitted my income based repayment and now they came back at XXXX. I tried to get that lowered but they said it 's based on some calculation that they make and it ca n't be lowered anymore. I feel that this is n't fair to me not to consider other bills I may have. I have a family that I support. I considered myself going to school to have a better life but it seems like it 's more of a burden to have debt to pay back.
US Bank issued the XXXX credit card that I used. The current complaint is that my identity was stolen ( everything from Social Security number to password and all personal information ). The bank employees told me that they knew of the theft but did not contact me. Someone had called the bank and asked to change my password and address. The person had my personal identity information. I only learned of the theft when I called US Bank asking why they had blocked my use of my card when I tried to use it to buy printer ink. I talked to US Bank employees who basically said they were too busy to contact me. There were many earlier occasions when the bank blocked my card usage when I was outside my immediate home area. Each time I asked them to call me and ask if I used the card and was assured that they would do so. It did n't happen. 
I am a senior citizen.
My personal information was stolen in a data breach at Equifax from mid-XX/XX/XXXXthrough XX/XX/XXXX. The hackers accessed my name, Social Security number, birth date, address and possibly my driver 's license number and credit card numbers.
Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.
A person called me from XXXX XXXX XXXX XXXX last week and I informed representative to remove my number and do not contact me again. The past week I received 2 calls which I did not answer. Then today I have received a collection letter in the mail from this company. At this point, this collection agency is in violation of the FCPA. One I want this company to stop all communication and second be held liable for there actions and tactics. I do not owe this bill I have returned the product account number XXXX
You r group ( CFPB ) has been absolutely no help with this ordeal. Wells Fargo has used deceptive and fraudulent business practices yet you allow this behavior. When I was approved for the modification 2 years ago, I had to hire an attorney at a cost of {$700.00} because they  approved me for modification and refused to honor the approval to allow me to pay. I had to hire an attorney to force them to honor their approval but it cost me an additional {$700.00}. In addition they increased my payments to the point where it made my payments unreasonable. My payments increased by over 40 %. They have tried to fraudulently speed up the foreclosure by stating I abandoned the property which was a lie. They cited my electricity was turned off which was a lie. They continuously leave these abandoned notes on my door an d on 2 occasions left posted abandonment notes on my door for my neighbors to see. This is a government secured loan and they know they will get paid in full if they simply foreclose. They are stealing from taxpa yers by using deceptive and fraudulent business practices. I will write my local government representatives including  the White House as to the effectiveness of your organization assisting me with dealing with Wells Fargo. Wells Fargo has   made this entire process stressful and now I will now lose my home because of their actions. I have proof and documentation of their illegal behavior at forcing me out of my home.
This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation.