WillisBack/dataset-financial-user-claim huggingface dataset:
Compliant ' of HireRight ' a Speciality Consumer Reporting Agency, the Type ' of Problem as ' not following FCRA policies in Remedying the Effects of Identity Theft, in an understanding of the Summary of Rights under the Fair Credit Reporting Act, the Importances for FTC Notice to Furnishers '. What ' happened was that ' HireRight - Legal - Data Security is ' exclaiming that ' HireRight ' is under Special ' contracting with XXXX in an extension of 5-10-15-20-25 years in unfair or deceptive business practices that is ' not. to remove my Employment Background Information. The Escalating Concerns of the Fed ' of a 10 year File that ' HireRight ' refuses to remove from their Database with Allegiants and alliances of ' the Continued Violations of my Civil Disability Rights in Public Corruption, Extortion and Solicitation of Monies. 

FTC XXXX
Complaint against Ally Bank regarding CD # ... XXXX This CD matured on XX/XX/2018. I had XXXX XXXXXXXX on that date, but I called Ally Bank on XX/XX/2018 and requested that the CD be redeemed since it had matured and I requested that the check in amount of {$100000.00} to be mailed to my home address on file, which I had already repeated to her over the telephone. The Ally agent was confused and I had to repeat my request and my home address for a total of three times. I placed the telephone call on speaker so that my wife could hear the conversation. We were both stunned as to the womans incompetence and her confusion. She finally stated that a check would be mailed in 5-7 business days. 
I called Ally Bank on XX/XX/2018 and inquired about the check. The first agent I spoke to could not get her computer to work and she transferred me to a second agent who also had trouble pulling up the account on her computer. Eighteen minutes later a third agent named XXXX was called in to discuss this. XXXX told me that the account was never closed and that a penalty was being invoked. I told her that I closed the account on XX/XX/2018 well within the 10 day grace period. She objected and said that today was beyond the 10 day grace period. I reminded her that I had already closed the account with my phone call on XX/XX/XXXX and she said the account was never closed. She finally admitted that their phone records indicated that I indeed called on XX/XX/XXXX and agreed to waive the penalty. She promised that a check in the full amount of the matured CD would be mailed to me today ( XX/XX/2018 ).
capital one bank refues to activate XXXX insurance on accts ending with # XXXX # XXXX # XXXX # XXXX. they prefer to charge off the acct
To whom it may concern, In XX/XX/XXXX I refinanced my mortgage on my home for a better rate. This cost a good amount of money up front and I took a great deal of time in selecting the best option and company to purchase this new mortgage from. I eventually came to an agreement with XXXX and received a Good Faith Estimate and moved froward with a refinanced loan I was happy with, though expensive to acquire, it was with XXXX. Around XX/XX/XXXX I was informed my monthly payment was increasing by {$180.00} due to a shortage of escrow. My mortgage has escrow since my home is worth less than I paid for it. The problem with this increase is my taxes and insurance have only decreased over the years, not increased. So why should my monthly payments increase. Actually my taxes did go up, {$3.00} per year, my insurance went down around {$20.00} a year. I 'm thus disputing any changes and request my loan monthly payments to remain as is. 
Thank you, XXXX XXXXXXXXXXXX
I do not have a signed contract nor any contract with Deville Asset Management. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Deville Asset Management.
This is regarding my previous case number : XXXX. 
Please refer to the attached letter from PNC I received yesterday. Honestly this harassment has to stop!!!!! PNC had agreed to closed the escrow account they forced on me the moment I applied for a loan modification. I rejected their dumbfound offer for a modification over the phone and in writing, during this time they told me the escrow would be removed once this escrow was up to date, which I paid XX/XX/XXXX. Aside from suing this company for harassment and discrimination can you please suggest any other step I should take?
I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
On XX/XX/XXXX I obtained a copy of my credit report from Transunion and noticed that Transunion has allowed a company named XXXX XXXX XXXX to reinsert a debt that was previously deleted from another collection company due to fraud. What is happening is that the credit bureaus keeps allowing whatever collection company purchases this account to add it back to my report because once I fight for my rights through the CFPB and the debt is removed. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX  while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.
XXXX Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with Transunion and XXXX.
I 've had issues with Nelnet and the distribution of payments since I began paying off my student loans a few years ago. An article for the CFPB suit filed yesterday against Navient caused me to look into my own payment history. Sure enough, for the last XXXX months, my payments have been distributed to only XXXX of my XXXX loan groups. This issue has occurred on multiple occasions and normally handled with a call or a Live Chat session ... until the next time I look at my account. The reason I get from the representative is that since I voluntarily paid more toward the XXXX loan group ( added money on top of my autopay ), they were distributing my automatic payment to the other XXXX groups in an effort to catch up. This XXXX loan group, although I am ahead on my scheduled payment, stays idle and collects interest. For the last XXXX months, my automatic payment has not been distributed to all XXXX loans and I am collecting interest on this neglected XXXX loan group. 
In addition, you are able to autopay more than the minimum but that will be distributed throughout all of your loan groups. Nelnet makes you need to go to a different part of their site to specify an additional payment to any XXXX specific loan group. One of the most efficient and effective way to tackle student loans is to target the highest interest rate loans. Nelnet makes it inconvenient to pay by specific group by not allowing you to automatically pay extra to any XXXX specific loan group. 
This is a regular occurrence for me, and with the recent claims against Navient, I would not be surprised if this was occuring with Nelnet as well. I am diligent in paying off my student loans, but I am submitting this complaint on behalf of the thousands of other students buried in student loan debt who are potentially being taken advantage of.
On XX/XX/XXXX, I placed a temporary lift on the security freezes I had on all 3 credit bureaus in order to apply for a credit card. I had picked a specific date range I wanted the lift to encompass. I received my approval on XX/XX/XXXX for my credit card. On XX/XX/XXXX, I contacted the credit bureaus to have my temporary lift removed and my security freeze reinstated. This was accomplished by 2 of the 3 credit bureaus ( XXXX and XXXX ).  However, after speaking with a representative, Experian advised they could not reinstate my freeze until after the expiration of the date I originally entered on XX/XX/XXXX. Not sure why the other two credit bureaus can accommodate this request but Experian could not, leaving my credit file open to possible misuse.
XXXX XXXX ( the borrower ) suffered a XXXX and is under care. As her daughter, I have tried to work with the lender ( Midwest Loan Services ) in regards to obtaining options to avoid the foreclosure so that my mother can keep her home. I was sent a packet by Midwest to complete and send back in which I did. They informed me they never received the package and will be proceeding with the foreclosure. We were never provided with a single point of contact and continue to make excuses so that they can proceed with the foreclosure.
Violated HIPPA la w on a debt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.
at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks
I am a current customer of the North Carolina State Credit Union. I have my checking account and a savings account with SECU located in XXXX XXXX North Carolina. 
I have direct deposit of my Social Security Disability check being deposited into my checking account each month. I recently closed a checking account due to it being compromised and opened a new account for direct deposit. The old account was closed on XXXX XXXX. XXXX XXXX XXXX SECU allowed a unauthorized debit from a business in the amount of XXXX to be debited from the closed account. There were no funds in the account and the account was closed. I did not authorize this debit nor did I have any knowledge of a bill from this company. 
I went into the branch and was informed that SECU allowed this debit on a closed account. This has put my account XXXX XXXX on hold. 
My sole income is XXXX a month from Social Security disability. I am a disabled person on a fixed monthly income and because of this fraudulent transaction I am in need of help with this matter, This has left me with no means to support myself or my children. I had no knowledge that SECU would allow a debit on a closed account. 
Please contact me I need help with this matter. 
XXXX XXXX XXXX XXXX nc XXXX
I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars
I applied for a mortgage through a broker by the name of XXXX XXXX. We were referred to Cardinal Financial for the mortgage processing. We repeatedly submitted the information requested by Cardinal Financial by the deadline for the closing, only to be told that they needed additional information which they did not previously request. This went on for about 2 months delaying our closing and requiring that we spend an additional {$1600.00} above the original estimated cost. We repeatedly asked if there were additional documents that needed to be submitted and were told " no '', only to come back and ask for additional documents.
Transworld Systems Inc has been contracted by XXXX to collect a debt. It was an issue with XXXX having XXXX separate accounts, of which we were unaware. It was corrected and resolved with XXXX, the service provider on XXXX/XXXX/2016 as confirmed verbally and on their website. 5 weeks later we get another letter from Tranworld demanding payment. Furthermore and THE ACTUAL COMPLAINT : on the bottom of the letter there is the disclaimer of their fair practices ; it gives the web address to file a complaint. However, that web address is a dead-end unless you have already received a letter from them with a special access code. So, they clearly are trying to run-around the fair practices law by making it nearly impossible to file a complaint.
I hope this email finds you well. I am hoping you can help me or point me in the right direction. I am asking Citibank to help me remove the XX/XX/XXXX delinquency on my credit report with all three credit agencies. I feel that I have been a victim of an unfortunate situation that has cost me dearly. I have been a Citibank customer since I XXXX  college in XX/XX/XXXX. I still have an existing Citibank credit card. It started in XX/XX/XXXX when I walked into a branch to close my Checking Plus account. Something happened where the account was never actually closed. I had no idea an account remained opened until I had my mortgage banker check my credit as my family and I was about to put a bid on a new home. In the time it took for me to research exactly which account was showing a balance on my credit report, and to my surprise, I was charged with a 30 day late payment delinquency. Furthermore, I had accrued well over {$1000.00} in fees that I truly had no idea about. There is so much more to this story, and if you take the time to look at my history, you will find that something is just not right here. I have since paid my account in full, and all I ask is that considering the circumstances, that you could help me remove the delinquency from the three credit bureaus to help put this nightmare behind me. I do not feel that it truly represents my ability and willingness to pay my debts and has cost me a huge amount of trouble and a home that we missed out on buying. I have written letters to Citibank and to all three credit agencies. The conclusion I have found is that only Citibank can remove this. I have called Citibank numerous times, spent hours on the phone, have gone to the branch in which the account was closed, and even have been emailing with that branch manager ( see email chain below ). I feel like I am at a dead end and this has become my last resort. Please help me. Thank you XXXX XXXX
Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
I am XXXX XXXX and I lost a big account in XX/XX/2017 which made me become late on my credit card for 2 months. Since then, I have regained my company strength and have been able to pay down my credit card balance to under 10 % utilization. However, I still have those 2 late payments on my account that the credit card company does not want to forgive which is hurting my score or apply for more credit.
On XX/XX/2018, XXXX XXXX XXXXXXXX  XXXX. charged an OVERDRAFT FEE of {$120.00} On XX/XX/2018, XXXX XXXX XXXX  XXXX. charged an OVERDRAFT FEE of XXXX This is my 3rd Complaint against XXXX XXXX XXXX  XXXX. ( " Zion '' ). Thus far, in settlement of disputes, they have refunded {$190.00} ( on XX/XX/2018 ) without altering their conduct in the slightest. 

I respectfully petition for reimbursement in the amount of {$190.00} along with treble damages ( in the amount of {$570.00} ) for willful and deliberate malice and/or gross negligence tantamount to malice by Zion 's Bank in continuing to charge the undersigned OVERDRAFT FEES by deliberately and willfully and/or via gross negligence approving transactions most likely to earn Zion profits though this unethical and unlawful practice ( i.e. " stacking '' ). 

Bank statements and e-notices enclosed will demonstrate that Zion has charged OVERDRAFT fees of {$32.00} for transaction amounting to less than {$6.00} which, to the undersigned, is dispositive of criminal/grossly negligent conduct. 

I respectfully reiterate my prayer for damages in the amount of {$760.00} ; and, an injunction/agreement to IMMEDIATELY CEASE AND DESIST from STACKING and other unethical/unlawful practices. 

Yours truly, XXXX XXXX XXXX, XXXX. 
XXXX  XXXX XXXX
On XX/XX/XXXX suit was filled on my account acted that same day a payment was made to bring my account current after I received service and nervous conversations with a male by the name of XXXX in their office an agreement was reached that as long as the payment was due for that month was made prior to the court date, a portion of the debt paid by XX/XX/XXXX and the balance the fallowing week that case would be dismissed as a dismissal with leave to reinstate would be entered. A payment for regular monthly payment was made on XX/XX/XXXX I specifically asked if I had to go in to sign the order for dismissal he stated no. No need to the case would be dismissed weather I 'm there or not base on terms of the agreement. Court was on XX/XX/XXXX today as I checked court records it shows a judgement by default was entered against me which is no where near what the terms of the agreement was on XX/XX/XXXX if their calls are not recorded I do have the voicemail left on my phone stating that agreement and my phone call to confirm as well. Prior to this agreement..I was advices nothing could be negotiated that I would have to go to court prior to this agreement was reached because the attorneys were not their attorneys when I advices I would go to court then he advised the attorneys are their own attorneys and they are their attorneys..
Dear CFPB i closed my account in XXXX with a XXXX balance..i just recieved a letter here in XXXX two months later and the bank is now requesting a closing fee of XXXX.please help me. Bank of the West XXXX CA
Discover Card allowed someone to open an account in my name without my authorization at an address where I never lived. Discover Card tells me through a debt collector that I owe money. Discover Card was able to locate my correct address and call me to try to collect but not to verify that I actually opened the account. I asked Discover Card to provide proof ( e.g., signature ) that I authorized opening the account. XXXX has not and apparently will not provide proof that I opened the account. XXXX in response to my request sends me a letter with the subject line " XXXX to XXXX for XXXX ''. The letter and enclosed material shows the charges that were made under my name. I did not want nor authorize XXXX to open an account in my name. Since I did not authorize opening the account, sending me proof of fraudulent charges is irrelevant. Discover Card never attempted to contact me when the account was opened nor when it was late. If they had, I would have told them then I did not want their card, nor did I authorize anyone to open an account in my name. The account was opened in XXXX and they are just now contacting me. The account ends in XXXX in the amount of {$3300.00}. 
XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX. Ref. XXXX for Discover Bank, XXXX XXXX XXXX XXXX XXXX XXXX c/o Discover Products, XXXX New XXXX XXXX OH XXXX
I am trying to use the Cell Phone protection benefits on my cards. I have submitted the required form and all documents to the company ( Wells Fargo ) via email twice, and have not received any status updates despite continued efforts to contact them. I called them and was told they would be in touch with me but they never got back in touch with me. This has been ongoing for several weeks. The claim was initiated on XX/XX/2018 and I last heard from them on XXXX XX/XX/2018. The amount is {$600.00}, the maximum amount covered in this insurance.