WillisBack/dataset-financial-user-claim huggingface dataset:
Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.
The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. 
The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. 

This hold was an afterthought. 

I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. 

The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. 

I need help from CFPB in the following. 


1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 

2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 

3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 

4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. 

Thanks XXXX XXXX
2nd letter sent by certified mail to XXXX, Equifax, XXXX  & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, EQUIFAX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
On XX/XX/XXXX I contacted my Barclays Ring card to initiate a balance transfer of {$7500.00} from my Barclays card to my XXXX card. The transfer processed on XX/XX/XXXX, but they incorrectly transferred a {$7500.00} balance on to my Barclays card. At no time during my phone call was I advised that they were doing the opposite of what I explicitly stated I wanted. When I contacted Barclays they refused to reverse the charge. Further they insisted that I was responsible for the interest payments on my grossly inflated balance. This is the second time Barclays has incorrectly executed a balance transfer ; upon opening the card over a year ago they processed the same balance transfer twice, and also refused to correct. Perhaps they should remove themselves form the balance transfer industry
XXXXXXXX XXXX XXXXXXXX in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted Capital One numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.
Equifax failed to take proper precautions to safeguard my personally identifying information, including but not limited to SSN, DOB, Name, Addresses, Driver 's License number, and credit card numbers, placing me at serious risk of identity theft and other crimes, through no fault of my own.
My transunion report show a collection account thats is not valid and does not belong to me, under FCRA transunion has failed to provide me with the proper procedure they follow to investigate a collection account that does not belong to me. i would like this collection account deleted from my report with any further delays as its hurting my credit. 

XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX,
I have contacted Equifax to manage my security freeze but they are unable to do so both online and over the phone. I have provided many information but they we unable to verify my information purely based on the fact that I don't remember if I have a security PIN or not. For other companies, you can easily get access by answering security questions about your past, but not Equifax. Now my credit freeze isn't allow me to sign an apartment. Equifax also has no way to escalate this or expedite this.
I logged onto the Capital One website on XX/XX/XXXX to make a payment because I knew a payment was due, but I had lost my statement. I knew it was due the XXXX or XXXX. Once on the website, I set-up the payment for XX/XX/XXXX as it was XXXX XXXX on XX/XX/XXXX. I received an email confirming that the payment was set-up for XX/XX/XXXX. The next email I received was on XX/XX/XXXX to inform me that the payment processed on XX/XX/XXXX. However, today I received an email from Capital One that stated the following : " Your payment is past due -- please make at least your minimum payment today.
<P/>
About your account ending in XXXX XXXX, It looks like you may still owe the minimum payment due on your account as of XXXX XXXX. ET on XX/XX/XXXX. Your card transactions may be declined if your account is n't current.
<P/>
If you 've made a payment that meets your minimum amount due, you 're all set. Otherwise, you can make a payment online or pay directly from your Capital One Mobile app.
<P/>
Thanks for being a Capital One customer. '' This email came to me after I received an email that the payment had processed and the transaction section on the website showed that the payment processed on XX/XX/XXXX. In addition, a late fee was added after I scheduled a payment as there was no late fee on my statement when I logged onto the website & paid the bill on XX/XX/XXXX at XXXX XXXX. I would have simply added it to the the amount due. This evening when I logged onto the chat service, I chatted with two individuals XXXX & XXXX, in that order. Neither of these representatives would answer a single question. They attempted to transfer me to other departments to avoid answering my questions, XXXX informed me that my account had been restricted. I would not be able to use the card in order for Capital One to investigate the matter. It was presented in a way that made me feel the company needed to buy so time to figure how to deal with me as I had informed them I would be filing a complaint. I have all the emails related to this matter saved, included in those emails the dates and times, should they be needed.
In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD XXXX.
In XXXX 2016, I found out that someone had made unauthorized withdrawals from my bank account when my rent check was returned for insufficient funds. I went to the bank to tell them I had been a victim of identity theft. They did not cancel my ATM card. On my XXXX statement, I saw additional unauthorized charges. I filed a police report and brought it to the bank to report the fraudulent charges. The bank representative was very rude and accused my granddaughter of using my card to make withdrawals. The bank representative would not believe that I had been a victim of identity theft. I lost over {$3000.00}. I asked the bank to investigate. They wrote me a letter a few weeks later saying the charges were authorized, but gave no details. Meanwhile, the police have identified the suspect and are preparing to make an arrest.
Never my addresses : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
I recently pulled my credit report from XXXX and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.
On two separate occasions I applied for a CitiBank credit card with the 0 ( zero ) interest for 18 months. On both occasions I was denied. On the second attempt the response from CitiBank was that I was denied credit because of the legal resolution of a bankruptcy. That bankruptcy occurred in the mid nineties. I do know that my bankruptcy will be noted on financial papers probably for the rest of my life. I also know that 7 years after the bankruptcy I should have been able to re-establish credit.I did. And, my financial picture has turned around. Well, all of this happened 23 years ago. I also know that any company may choose to deny credit to me. The question I have is whether a company is allowed by law to deny credit based only on how a bankruptcy was adjudicated? The irony is I have a CitiBank card in good standing. I just wanted to take advantage of the companys advertising of a zero interest credit card.
XXXX transferred my mortgage to SPS ( Select Portfolio Servicing ). when the transferred what on process SPS sent a letter stating that they will honored all the payment, escrow account etc. However, the first thing they did they recalculated my escrow projection account increasing my payment in XXXX dollars even though the taxes this year in XXXX XXXX count went down XXXX dollars and my Insurance went down XXXX dollars. I contacted them requesting for me paying my taxes and insurance but I have n't received ant replied from them. Second that all the way they are reporting XXXX and XXXX made my score goes down XXXX points. 
I have sent letter and faxed as well but it seems like they are ignoring my requests.
In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX
Pinnacle Credit Services/XXXX ( Collector ) did not sent notice of right to disclose. 
Collector continues to report false information related to this account to Credit Bureau Agencies ( CAs ). 
Collector claims account opened date opened XXXX/XXXX/XXXX. 
Collector claims a debt of {$1200.00} on behalf of XXXX XXXX. 

Alleged debt has been disputed several times through FTC on XXXX/XXXX/XXXX. Case # XXXX filed reporting XXXX XXXX. 
Also with the Arizona XXXX, the XXXX CBAs, and directly with Pinnacle Credit ServicesXXXX. 

Collector 's response to all claims is that the debt is owed in a single statement, without providing any supporting documentation ( because none exists that will help their case ) on this alledged debt. 

I had an over a decade healthy relationship with XXXX XXXX since XXXX 's. On or about XXXX XXXX I had made contact with XXXX to cancel service at the end of the contract period, which I was told ok. Late XXXX disputed that cancelation was not made timely, when I asked for proof of the contract with signature nothing was provided and was automatically billed {$1200.00} for the untimely cancellation fee of XXXX Blackberries. It was all based on their own assumption. 

XXXX has sold this account to numerous collectors, which I have immediately disputed the validity of the debt. However, Pinnacle/XXXX has been a different story. They purposely did not send the Notice of Right to Dispute knowing my history and they immeidatly reported to the CBAs. Since then it has been nothing but a struggle to have an enforcement agency request this " Collector '' for proof of the information that they are claiming on my credit files. 

Reaging an account is NOT legal. I have also made several attempts in trying to discuss matter with a representative of PinnacleXXXX, but I you get is their representative asking you to verify your current address, phone number, etc, and then you get transfer to a voicemail and never get a call back. A tactic for them to just record that you had been notified ( over the phone ) from their recorded message that it is an attempt to collect. This is a criminal way of doing business - but as a collector, they just want to at least assure they hurt the consumer knowing that their claim has no merit.
The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card was opened onXX/XX/XXXX XXXX Credit Card was opened on XX/XX/XXXX 
XXXX XXXXT Credit Card was opened on XX/XX/XXXX XXXX Inquiry - XXXX
The original debt of {$520.00} has been paid to the original creditor, XXXX, about a 1 1/2 years ago. CDI Affiliated Services insist I owe them a sum of {$260.00} of pure interest. There is no more principal because XXXX accepted my payment in full in order for me to receive services from them again. As far as I can tell CDI A.S. is in a violation of The Fair Debt Collections Act 808 15 USC 1692f Section ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
I can assure you no such agreement was ever established or authorized while creating the debt. CDI is not attempting to collect a single penny as principal, but rather {$260.00} of pure interest. Are they, or are they not in violation of this Fair Debt Collection Practices Act? They still currently show as owing XXXX {$260.00} on my credit report.
I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
XXXX XXXX, a debt collector has been attempting to contact us about a past due bill. This debt collector is contacting a 3rd party on numerous occasions ( my Father ) Debt collectors are not allowed to contact 3rd parties or Family members more than one time, unless that family member or 3rd party requested them to do so. My father has informed this debt collector that we do not reside at his home and has asked not to be called. XXXX XXXX has contacted my father more than 2 times per day for a week straight, and at all hours. This must stop or we will be forced to take legal action. One operator has left his name on multiple occasions, his name is XXXX XXXX, or do he says. XXXX needs to follow the laws for debt collection, when attempting to collect said debt.
I wrote a {$200.00} check on my XXXX XXXX account for deposit in my XXXX XXXX XXXX   checking account. I received notice today from the XXXX XXXX XXXX that it was charging me {$20.00} because I had placed a stop payment on said check. This charge is excessive, unethical, and poor business practice. And unfair as there are excellent reasons for placing a stop on a check. I refuse to pay the said {$20.00}!
The XXXX XXXX XXXX hired the XXXX XXXX XXXX to handle all its defaulted loans. The XXXX XXXX XXXX is reporting inaccurate information because they received files from XXXX XXXX which is the original loan holder. My loans are fromXX/XX/XXXX and XX/XX/XXXX and they are older than seven years but still want to report them on my credit file
I was told in may that I would be getting my new bill on XXXX XXXX and that two weeks after that I would be notified on my new repayment plan under repay. On XXXX XXXX, 2016 I still had not received my forced deference bill and called to find out what was going on. I was told by employee XXXX that I did have a bill but that It would not post to my account and as soon as I paid it I would then get my new repayment plan in about 14 days. I paid the {$5.00}. Then On XXXX XXXX I got a bill for the amount owed. I again paid the amount again which if I had been given the correct information I would have only paid once. Aside from the fact I was prohibited from making a payment on a payment plan now I can not trust the information that I am being given by Fedloan servicing. The customer service personnel need to be properly trained not to give information if they do n't know.
I XXXX XXXX never took a pay day loan it was about 3 to 5 years ago ... I never even had a checking account at the time at fifth third bank ... first of all my social security was in correct at it wasn't my bank account that they said it was ..I did not have bank account ..or even ..they called me saying they where bill collection that i own on a credit card ..they threat me ..I called the police which was XXXX Il police department ..They told not to worry about ..they told me if i had any more threats to give them a call ... they talk to my husband ... By the way I have an identity theft alert on my all three credit bureaus ... 
So i really dont know anything about this loan ..look up my name i never had an bank account at fifth third bank ..
I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a face, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.
I began repaying loans to XXXX/Navient XX/XX/2009. When the payment was too much for my beginning salary, the only option that was provided to me was an interest only payment for two years. I accepted a XXXX/mo interest only payment. Two years later I contacted because my loan payment returned to the original rate which nearly doubled my payment. Again, I was told that interest only payments were the only option, now for three years. After 5 years of paying XXXX in interest only payments, believing it was the only option, I am told by a Navient representative that I could have modified the terms of my loan, lowing the interest rate and extending my terms. Now I am paying XXXX/month with payments going to interest and principal. Because they did not inform me about the modification option, they have received an extra 60 months of interest payment without my principle reducing XXXX.
I previously had a lien on my credit report that had been withdrawn by the lienholder ( XXXX ). The item was removed from my credit report several months ago and now  reappears on my credit report, dragging my score down as well. The validity and accuracy of Equifax as a viable reporting agency needs to be looked into as this type of error should NOT even be possible, not even once. This is NOT something I would want to see on my credit report just before I go apply for a mortgage. This is COMPLETELY ridiculous and unacceptable! I am just livid that this could even be a possibility! What is the point of credit reporting if it is n't even accurate and can not be verified as accurate???
I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time