WillisBack/dataset-financial-user-claim huggingface dataset:
For over months now Integrated Services has called and i kept telling to send me legal documents on how to solve this matter and they do not.

They call me and threaten me and yell/curse at me.

They also call me work and gave them my information and how i owe so much money.

They have called family members and did the same Which is illegal!

I have called back to tell them to send me documents or anything to show this matter but they do not they just continue to call and harass me at work and my family members.

They even said they filed at XXXX County and I even called there and they said there is nothing under my name or the case number that i have.
It has been forever since dealing with this company and having them proof that the actual misinformation on their report belongs to me. As a victim of multiple identity theft issues I find it disgusting that they are not held to the same laws as everyone else and complying with FCRA rules. It has been beyond frustrating trying to deal with getting them to comply with the rules that follow and protect ID theft victims and maintain the integrity of credit reporting.
My XXXX XXXX XXXX was showing current with no late payments in XX/XX/XXXX. now it is showing that i have two late payments. One in XX/XX/XXXX and one in XX/XX/XXXX. How can they report incorrect information that they say took place last year.
I have spent over a year trying to get all three credit reporting agencies to correct incorrect negative reporting of XXXX XXXX XXXX XXXX. They are reporting XXXX XXXX, as delinquent. I had requested an extension for that month, due to an extreme medical emergency. I have talked by phone to several different agents who were extremely rude and were not sympathetic to my concern of my wife 's mental breakdown and the financial burden caused by it. I have been told by one agent several months ago that she had deleted and it would reported to all three credit reporting agencies, however it was not. Others said I would need to talk to another department, only to be disconnected. I explained that I had, had two auto loans with them and only had only one late payment reported and it was not correct. I have asked for a goodwill deletion by phone and letter as this was hurting my XXXX XXXX. They have no sympathy for a loyal customer. I am XXXX and my wife is XXXX, and I need a better XXXX XXXX to admit my wife, who has XXXX XXXX XXXX, to a assisted living facility. I need help if at all possible. It is on all three XXXX XXXX, XXXX XXXX XXXX. The account number is XXXX. Comments on the internet are that Capital One is the worse companies to deal with to make corrections or help their customers. Please help me if possible.
I deposited a Business Check written to myself for the amount of {$700.00} on XXXX XXXX XXXX. I received written notice that my deposit would be released on XXXX XXXX XXXX. As Such, the money was released into my account but then removed from my account immediately. Then another letter came and said my deposit would be held until XXXX XXXX XXXX due to the funds possibly not being in the account. I just spoke with the bank that the check was written on, XXXX XXXX, and they confirmed the check cleared their bank on XXXX XXXX XXXX. This hold has caused me to be late on my rent, my cable and my internet payments. Causing over {$100.00} in late fees that I will now have to pay because Bank of America will not release the hold on my account until XXXX XXXX XXXX. 

PLease help me get this resolved as Bank of Ameria will not release the hold. I have tried speaking with them and I wll be calling them back again. 

Thank You XXXX XXXX XXXX XXXX XXXX Client
I inherited the house upon my grandmother 's death in XXXX XXXX. At the time of my grandmother 's death I was only working a part time job with XXXX. Whereby, I did n't have the monthly income to keep the account current. Since I began handling the estate of my grandmother, I have had XXXX periods of unemployment which was from XXXX XXXX until XXXX XXXX and again from XXXX XXXX until XXXX XXXX. I now have sufficient employment. whereby, I can now afford the monthly mortgage payment. But, I do not have the money to pay {$9000.00} towards a total past due amount of {$12000.00} in order to start a repayment plan. The servicer is stating that the DTI ratio shows I have the ability to pay the mortgage. But, the servicer is n't taking into account how the mortgage got behind along with my ability to pay towards a large past due mortgage balance. The CFPB Rules state that a client inheriting a home should be able to have the loan modified into their name with reasonable terms which the present offer is n't reasonable.
I got a job offer and was sent a check to deposit so i could buy a laptop computer and home office supplies. I deposited the bank check drawn on The XXXX Bank for the amount of {$3900.00} on Thursday XXXX/XXXX/16 into my Santander Bank Account. I was instructed, by my new employer, to withdraw the money as soon as the funds cleared and deposit that money in a XXXX XXXX XXXX account. My employer supplied me with the account number. On Sat XXXX/XXXX/16, I checked with my bank and the funds were cleared and in my account. I withdrew {$3900.00} as directed. ( I was instructed to leave {$50.00} in my account for petty cash. ) I deposited the {$3900.00} into the XXXX XXXX XXXX account. My new employer said the vendor who would be supplying the laptop and home office equipment would take the money from that account to make the purchases. On Monday morning I got a call from my new employer saying that they needed me to deposit another check for {$2000.00} and then I became suspicious. I checked my Santander account and it was showing a negative balance of {$3900.00}.! I went immediately to the branch and spoke with the Branch manager XXXX XXXX. She told me that the bank check was fraudulent and that the funds had not cleared. I was told that the bank clears checks in two days, as a courtesey to their customers. Now truly how what I have known that the funds had not truly been cleared. I saw the funds in my account and assumed as anyone would that these funds are now available. The customer has no way of checking this. Perhaps the bank should put some kind of warning or disclaimer in place letting the customer know that the funds may not have cleared. But to be told by the bank on that it was not cleared ; it was a fraudulent check and on top of that there is nothing the Santander bank can or will do!!!! The bank assumes absolutely no reponsibility I can not believe that I am the first Santander customer who was scammed and I shocked at the Bank 's attitude and lack of customer service!!
I was decieved into thinking I was going into a payment plan for my dentist and it turns out I was actually enrolled for a credit card. I have had trouble since then cancelling my account without it effecting my credit score.
I have XXXX student loans from XXXX bank. They are in default and are now handled by Weltman, Weinberg and Reis Co., LPA. I have spoken with them twice about establishing a reasonable payment plan. My loans total {$48000.00}. They want me to make a down payment of about {$3800.00} and then make monthly payments of {$800.00} for the next 48 months. That monthly payment is totally impossible for me. I am willing to go back to making reasonable payments such as about {$200.00} per month, but they wo n't accept that. Also the length of repayment has been decreased to 4 years whereas student loan repayments are typically 10 years or longer.
On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public record listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Equifax failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.
I originally bought a XXXXXXXX XXXX in XX/XX/2015. The original price of th car was {$19000.00} which includes the tax for the vehicle. The monthly payments for the vehicle is {$470.00} after 3 years of paying I called XXXX XXXX XXXX   to find out what is the estimated pay off for the vehicle only to find out that I still owe {$19000.00} roughly. In calling to get an explanation all I recieved is rude and short answers like, " this is what you agreed to. ' Also the representatives have hung up on me on severall ocassions in me trying to figure out what kind of sense does it make for me to owe as much as I originally financed for the car. In doing the math I have already paid over 16,000 to this company. I do understand that interest is involved in loans so I do not expect to pay exactly what I have financed but at this rate it looks like they expect me to pay close to 40,000 on a compact car. I can not see how this can be legal. In fact, I am not even sure if a loan of this nature is even legal. can you please look into this for me. Thanks.
I have been unemployed and have been receiving harassing phone calls constantly ever since I could n't pay. I attempted to start a payment plan on what I could currently afford and was refused because they did n't consider it enough. I requested the phone calls to stop and they refused stating they could call and harass me XXXX times a day by law. I know I can request a stop in calls but they refused.
I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.
I received a phone call from XXXX  XXXX XXXX in XXXX GA on XX/XX/18 regarding an amount they say that I owed to hsbc bank, the individual had information such as the last 4 digits of my ssn, past addresses, current address, names of relatives, marital status, cars Ive owned, employer and other information. Every time I would ask them to send documentation proving that I owed this debt and to prove this is not a scam he would remind me what information they have and threaten to come to my job or home. He said that I have a legal suit against me by hsbc and that they will take action if I do not pay. The information sounded convincing so I set up a payment arrangement to pay the debt. After the fact I XXXX the company and the address, the address belongs to XXXX mail store. No website or anything. I also do not have any record of owing hsbc. I saw hundreds of complaints just like mine. I contacted my bank for information about the transaction and it appears the money that I authorized them to draft went to a XXXX account???? What legit debt collector receives money through a XXXX acct? I have stop the payments that have been drafted until there is absolute proof that I owe this debt, itemized statement and something stating this is a legit company that is licensed to collect for this debt
On XX/XX/2018 i took out a loan for {$500.00}. To this date i paid {$840.00} and only {$15.00} went to the principle. I still owe {$480.00}. The APR is 469.1328. I didn't get a chance to view the Truth in lending disclosure until the loan processed and hit my account. I didn't know the interest rate until the loan hit my account.
I have never signed or established a contract with XXXX. My wife, who I was separated from at the time, set up a XXXX contract for a home she purchased in XX/XX/XXXX. 

On XX/XX/XXXX, I received email from XXXX stating that my account was 60 days past due. I immediately forwarded it to my wife and asked her to find out why this was being sent to me. 

XX/XX/XXXX, My wife contacted XXXX via phone and tried to fix the miscommunication. She was told that I was the account holder, and I was would have to fill out paperwork. Later that day, I received an email from XXXX XXXX providing me with a name removal memo and an Addendum Agreement. 

Being the businesswoman that my wife is, she was offended because she knew I was not the account owner nor did she want me to be. A couple days later, my wife and I both got on the phone with Vivint to question how my name was on the account in the first place. We then requested to receive a copy of the contract agreement. Again, we knew it was impossible for me to have signed or be on a contract agreement. On that phone call, we were told they could not find a copy of our service agreement and requested that we find a copy of our agreement and send it to them. 

My wife asked the young man on the phone, " If people can't trust you to keep up with my service agreement, then how can I trust you to monitor their home? This is unsatisfactory. Find the contract and email it to ... '' That was the last time either of us spoke to or heard from anyone at XXXX. I have since disputed the bill on my credit report to no avail. 

I appealed to the debt with the debt collector through the appeals process, and have not been able to get this removed from my credit report.
XX/XX/2017 Consumer Financial Protection Bureau / Original Complaint No. XXXX Bank of America / Claim No. XXXX XXXX Inc. / Case No. XXXX In my opinion, Bank of America and its representatives have engaged in supporting False & Misleading advertisement by XXXX Inc. In my opinion, Bank of America has a fiduciary responsibility to protect its customers against corporations that engage in wide-spread exploitation, and under scrutiny by U.S. government agencies. It is common and readily available information that XXXX Inc, is a corporation that is being sued by U.S. government agencies chartered with protecting consumer rights. 
Bank of America is a self-regulated business that should value its customer satisfaction. And protect its customers from Unfair Trade and Credit Practices. In summary, it does seem evident, that informing me of my right to be educated as a consumer, and right to seek redressal has been suspiciously absent and ignored by Bank of America and its representative. As a consumer, I give Bank of America a poor consumer satisfaction rating. In my opinion, Bank of America representative XXXX ( Resolution Specialist ) did not address this issue, which was core to my complaint with the CFPB. 
Further-more my customer service experience with XXXX has been poor, since she has been non-responsive to the phone voice-mails left by me and my representatives. XXXX list her contact information as XXXX, ext. XXXX. She stated in written correspondence that she is available XXXX XXXX to XXXX, this has not been my experience with XXXX . 
Further Evidence of Fraud / False Advertisement In written communication provided by XXXX Inc. to Bank of America , XXXX Inc. claims that I signed their Self-Serve contract. Yet Bank of America had not acquired any contract with my signature. Why? Bank of America took on face value the word of XXXX. Why? If XXXX. asserts that I signed up for a complete Self-Service, then why would they also claim to charge for an auto-bidding strategy ( listed on page 1 of 5, 4th paragraph )? Why did n't Bank of America question this glaring contradiction? XXXX. claims to provide services for 2 business locations, why would I contract for 2 business locations, when 1 of the locations was closed and I was moving to the new business location? I only have 1 business location. 
cc. Federal Trade Commission
invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. 
I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages.
This complaint is reference to CFPB case # XXXX. Equifax is using stall tactics to correct the errors on my credit report. Please see the attached documents from Equifax that this attached to case # XXXX, which shows XXXX XXXX # XXXX was removed from my account. Now why do I need to wait 30 days from them to reinvestigate when it 's showing there document with the report number # XXXX. Also, the XXXX account is reporting late and the account is closed, plus over the status of limitation. Equifax is changing the dates.
I received a payday loan of {$400.00} after I agreed to it they sent me documents that stated i would be paying back close to {$2000.00} on a {$400.00} loan
This complaint is against the Priceline Rewards Visa Credit Card who is constantly harassing me by making phone calls even in the middle of the night or early morning asking me to pay the credit card balance which do not belong to my transactions.

I was able to use this credit card for a very limited number of times. It was declined most of the time. However, I made the payments and decided not to use it in future since its embarrassing. Now I have been receiving letters from Priceline that the account has been closed, however, I have been still asking to pay the amount of {$280.00} which includes the late fee and interest charges of each month from XXXX to XX/XX/2018. I fail to understand on what transactions the late fee and interest charges have been imposed. Since Im unable to use this card for a long time, I dont have any transactions made on this card or payments that I owe yet I have been constantly harassed by their phone calls and letter. Though I have signed up for Paperless statements but still Priceline Rewards Visa credit card is wasting the paper of the United States. 
Id really appreciate if u could resolve this issue by clearing this account. 
I have used the card only before 2018 began and the total transactions made were of {$320.00} which include some of the returns as well. Payment was made in full. 
As per promise, I was supposed to receive the statement credit of {$100.00} right after making the first purchase but it made me numerous phone calls to receive the statement credit that I owed. 
It was a terrible experience and Im seeking your help to resolve this issue and close my account after clearing the balances. 

Thank you.
Ive paid my debts and some of these claims i dont know who or what they are from. This is all incorrect on my credit
On XX/XX/XXXX I made an online purchase from XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX immediately on XX/XX/XXXX. 

I cancelled the order a few minutes after placing the order ( also on XX/XX/XXXX ). WXXXX did not ship the order. 

I placed a second order from XXXX, also on XX/XX/XXXX in the amount of {$2200.00}. I paid using PayPal and the funds were taken directly from my XXXX  XXXX XXXX account immediately on XX/XX/XXXX. I cancelled the second order on XX/XX/XXXX. XXXX did not ship the order. 

XXXX refunded the full amount of both orders on XX/XX/XXXX, totaling {$4500.00} ( {$2200.00} x 2 ). 

A week later, on XX/XX/XXXX, PayPal illegally transferred {$4500.00} from my XXXX XXXX XXXX checking account without my knowledge or consent. I have emailed and called PayPal to resolve this issue to no avail. The PayPal representative said the funds will be put in my PayPal account but that has not occurred, nor can they tell me why the money was taken from my account. The rep also could not explain why the XXXX refunds still show as Pending on their website since XX/XX/XXXX. Any refund should have posted in over a week 's time. I do not nor have I ever kept money in a PayPal account. I have always used PayPal as an intermediary and payments are taken directly from my XXXX  XXXX XXXX account or other stored method of payment. 

I requested to speak with a manager on three separate occasions and was placed on hold for over an hour before giving up and disconnecting the call. I have only received auto responses to the emails I have sent to Customer Service through the PayPal website. I do not believe they intend to return my money. 

I went to XXXX XXXX XXXX and filed a fraud report and they are investigating the issue, but that can take up to 90 days. I also contacted XXXX requesting whatever assistance they may be able to provide in resolving this issue but have not received a response.
I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.
On XX/XX/XXXX I called Citizens Bank to ask how I get a statement ... .I was looking for a {$40.00} or {$50.00} check I wroth the IRS XX/XX/XXXX or XX/XX/XXXX ... ..my bank only keeps statements on line for 18 months. So I missed it by 4 days ... ... I was told that the bank could mail me a copy of XX/XX/XXXX If check not there, I could then get XX/XX/XXXX. The next day my account was debited {$120.00} for the statement ... ... ... .I called the bank ... was the put to a supervisor was was going to get back to me ... ... .I am stilll waiting ... ..Who in there right mind would generate a Debit for {$120.00} for a canceled check that 3 days prior could of gotten off their I pad? .. I was ripped off ... ... .looked on line. There is no mention of a {$100.00} to reproduce a statement. No one told me at the time on the phone ... ..not fair to the client
Loan orginated in XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by XXXX XXXX in XXXX of XXXX via letter from their Porta Rico Headquarters that the balance was due in full XXXX of XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX. They are reporting to the credit bureaus that Foreclosure was started. I live in Florida. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( Lis Pendens ). I verified that no filing ever occurred. I filed a claim with Experian and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with Experian again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.