WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a secure credit card to build credit. I also had a bank account with Bank of America. While in XXXX my bank card malfunctioned and i was forced to only use my secured credit card. a unauthorized charge was made on my account. I provided proof and was refunded then they put the charge back on my card. This caused my card to be charged off. i request that the error report be removed from all my credit reports immediately.
I was told that the Bankruptcy that I filed in 2004, information was not showing in my report and it is attached you will find the documentation to support that they are still showing.
Allied Interstate, LLC is attempting to collect a debt on behalf of XXXX XXXX. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Currently, Allied Interstate, LLC of XXXX, Virginia has not obtained a surety bond with the Texas Office of the Secretary of State. The debt collector that has contacted me does not have an active surety bond, therefore, they are illegally attempting to collect debt in Texas.
Over the past two years numerous times I cancelled my membership with XXXX XXXX - XXXX. Despite repeated written cancellations, refuse to cancel the membership and have continued to charge my debit card account each month causing my bank to recommend issuing a new card to stop the automatic withdrawals. They sent a bill for {$97.00} and are ruining my credit by charging a phony balance due. When I spoke with them on the phone they refused again to issue a cancellation of the account. I informed them that I would file a complaint with your agency for assistance in getting the account cancelled, my credit restored, and the balance mentioned cancelled and credited.
Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.
After the Equifax hack announcement, I applied to their Trusted ID credit monitoring program. According to the best of my knowledge and according to them, I was successfully registered with the program. However, at the time I registered, Trusted ID did not provide me with the means to register a password, nor have they subsequently provided me with a means to register a password, nor have they provided me with a password. Consequently, I have not been able to access and view my account. I have called the company and e-mailed the company to inform them of this problem. To this date they have not responded with a positive solution : I am still frozen out of my account. When you call or e-mail the company, they and their representatives just give you the runaround.
On XX/XX/18, I sent freedom mortgage an email requesting 12 months of mortgage payments deferment under section 8 because I was fired from my job XX/XX/18 ( documents provided to them as proof on XXXX ). 

The request for deferment was denied by freedom mortgage on XX/XX/18 because they don't do deferment.
I have requested information regarding my credit card account being abruptly closed and I was contacted by a representative stating that my dispute would be resolved and I have never heard back from this representative. I am eager to resolve this matter as it is reporting negatively on my credit report.
My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
I was alerted by my credit monitoring that Credit Management LP placed a collection on my account on XXXX/XXXX/2016. I immediately called my credit monitoring personnel and they directed me to Credit Management LP. I spoke with XXXX from the company on XXXX/XXXX/2016. I did not get her last name. I asked XXXX what the collection was for and informed her that I had not been notified of the alleged delinquency. She explained that if I paid the balance which was {$140.00} that it would be removed from my credit. I asked XXXX several times would the collection be removed from my account and she assured me it would. I explained to XXXX that I did not want the account to just say paid ; I explained that I wanted to make sure the account was removed from my credit report. She reassured me that the account would be removed and I could go to the company website on XXXX/XXXX/2016 to print off the letter stating the account would be reported and removed. I asked XXXX again if the account would be removed and if the letter would state such. XXXX assured me it would be removed. I went to your website on XXXX/XXXX/2016 and printed off the letter. The letter states the account has been satisfied, nowhere does it say it will be removed from my credit report. The letter states " ... if we reported your account to the credit bureaus, they will be notified to update their records, accordingly ''. I called Credit Management LP on XXXX/XXXX/2016 and spoke with XXXX XXXX. I explained to XXXX XXXX what my previous conversation with XXXX entailed. XXXX XXXX could not assure me that the account would be removed from my credit report. He stated that it would be removed, he just could not tell me when. I asked him what that meant. I informed him that I did not want this to linger on for months and he stated it would be removed he just ca n't say when. I asked to speak with a supervisor. He transferred me to XXXX XXXX. She identified herself as the floor manager. I am not for certain if XXXX is her name ; when she initially greeted me I was under the impression her name was XXXX. I challenged her about this and she told me that I got her name wrong. I informed her about each conversation I had with her employees. She informed me that they do not remove items from my credit report ; they simply report it to the bureaus. I expressed my disdain for the situation and explained that her employee assured me that the collection would be removed. She then stated that I could write a letter requesting it be removed. Her company would go over the recorded conversation and if her employee promised my account would be removed, then they will honor it and have it removed.
complaint toward EQUIFAX.    HAD ACCOUNT FOR OVER A YR. LAST UPDATE WAS XX/XX/2015.
 HAS WRONG PERSONAL INFORMATION (DOB).
REPORT HAS NOT BEEN UPDATED IN MONTHS PLUS WHAT I FOUND HAD ACCOUNT THAT WERE PAID BUT STILL REFLECTED ON REPORT.  HAS HURT MY ATTEMPTS TO FILE FOR LOANS/GRANTS.   VERY DISAPPOINTED...CLOSED ACCOUNT
On XX/XX/XXXXXXXX I reviewed my credit with Experian and they have my fico score is very damaging at XXXX in which it should be higher than that. Experian statements of 60 days late payment and collection and XXXX hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XX/XX/XXXX and it was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with Experian, XXXX and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The XXXX hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled XXXX in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by Experian, XXXX and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on Experian, XXXX and XXXX.This is Fraud.address
I was notified of this charge by XXXX of XXXX. I told them this was not my bill, I did not apply for credit, charge anything to them and asked for a copy of the signed agreement of credit and/or credit charges so I could prove that was not my signature. They refused to send me them. I explained my x-husband has used my name and ss # before to get credit and skip out. He previously charged house furniture to a company in XXXX and I have had car repo people show up at my house to repo his truck. I tried to get some kind of proof from XXXX that this was my bill. I have never been to XXXX, do not intend on going there, and I would remember if I had open credit. I did not start getting credit after my bankruptcy until recently. I believe because they can not locate the rat I was married to, they will try to pin it on me. I 'm just starting to get myself back in ; the good, and I do not need a foot holding my head under water for something I did not do.
Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007.
Capital One credit card services charges me a annual fee which I was not notified of via email or mail. I owed nothing on this card so no monthly fee was due. I was then charged and not notified and then proceeded to submitted a noticed to the credit bureaus that it was delinquent. I have used the card or spent money. They submitted I was delinquent using my credit card event through I did n't use it. I have been trying to take action with capital one but getting nowhere and they are being supportive. My credit was effected over XXXX points and has increased all my rates with other companies creating a hardship. Please help
Ocwen Loan Servicing , Inc. has not provided a corrected XXXX for XX/XX/XXXX. The original XX/XX/XXXX XXXX was received on XX/XX/XXXX containing an incorrect interest paid amount paid in XX/XX/XXXX I notified Owen on XX/XX/XXXX that the XX/XX/XXXX XXXX contained a lower amount then what was paid in XX/XX/XXXX. They said they would correct the interest paid and send out a corrected XXXX for XX/XX/XXXX. I never received it so I have called repeatedly in order to get the corrected XXXX before the XX/XX/XXXX IRS filing date. I also send them a secure email messaging restating the problem. I still have n't received it so I had to file for a tax extension.
To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main Credit Bureau 's such as TransUnion, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.
XXXX Sent my account into collections for the amount of {$270.00}. I never received a bill or an invoice from XXXX stating what I owed them for. I checked my credit a few months back and saw a collection from a company called " CLLCN BUREAU OF THE HU ''. 
I disputed this information a few months back and never received any response from the collection agency. They didn't return any of my letters but insisted on keeping the account on my credit report. The company has not marked the account as disputed in the 30 day time frame from the original receipt despite my multiple attempts on having them validate the debt. 

I am attaching all three letters that was forwarded to the collection bureau of the hudson as well as the proof that they received all three letters
On    XXXX   XXXX   XXXX    I made a {$20.00} ATM withdrawal from my credit card and was charged a {$10.00} ATM Withdrawal Fee. I do not recall seeing the disclosure saying that I would be charged {$10.00} for this {$20.00} withdrawal ; If I had, I would not have continued with the transaction. I seem to recall the disclosure stated the standard {$3.00} fee, as when I use my debit card, would be charged.
I was provided a corporate American Express card by my employer. The terms outline " You authorize American Express, its affiliates, and licenses to exchange business and consumer credit reports. You may direct us not to share with our affiliates and subsidiaries ... by writing to us at ... .Please include your Corporate Card account number. '' I wanted to talk to someone about this process. I first tweeted at AmEx and they said I should call customer service at XXXX. I did and, when I reached a human, I requested to direct them not to share my information. They said they were n't planning on it and it should be fine because it is a corporate account. I said that since it was outlined in the terms I wanted to direct them to not share my information and wanted it noted on my account. 
The person I spoke with then said they 'd connect me to the department that would be able to do that and placed me on hold. After a hold, they said I should call back at a later time because the queue was too long to connect me to the department and I should just call back later.
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, Transunion and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
I am receiving a bill from XXXX for {$20.00} for a subscription I allegedly pledged. This was after allegedly five previous attempts to bill me. I never subscribed to XXXX nor have I ever received a single issue of the magazine. 

The letter, allegedly from XXXX XXXX in the state of Florida, indicated that failure to pay the {$20.00} may result in referring the " debt '' to a collection agency. Two postal days later, I received a collection agency letter from North Shore Agency, operating allegedly in New York state.
BNY Mellon implemented a monthly account fee for HSA ( Health Care Savings Accounts ). 
This fee is for any balance below {$5000.00} and was implemented AFTER these accounts were set up through my employer. By LAW I can only put {$3600.00} in this account in a single year and I am being penalized by BNY Mellon. I submitted this complaint a few days ago, but I can not find it. The ref. number is : XXXX BNY Mellon has a service contract with XXXX and is servicing 100 's of thousands of new customers with HSA accounts. This fee will give them automatically several million dollars in new revenue each month. This fee targets low income people.
I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
The ERS company continues to call my job about debt collection instead of calling my cell phone. They also are using threatening language towards me despite my attempt to pay the debt. I do n't make enough money each month to pay the amount they want. The amount I can pay is not enough for them, so the man calling me is bullying me.
I went to emergency room early Saturday morning to get a pain killer and for XXXX in XXXX 2015 ... ... Doctor said nothing could be done until blood test results provided on Monday ... best to see my Primary Physician on Monday. 
Hospital charged my XXXX account over {$2500.00} for a XXXX visit to ER visit and I did not pay my CO-PAY ... XXXX NO medication was @ hospital. Saw my PCP on Monday and he took care of me.
I had invested a total of XXXX USD with Coinbase. Everything was good until about a month ago when I had some problems with my laptop. Among other information, I lost the authenticator app and the secret key for my account. That meant that I would have to be reauthorized by Coinbase.

So, I entered my username and password. Then I entered my cell number and they sent me a verification code. After I entered the code, I was prompted to either show an ID to my webcam or upload an ID. I chose to upload pictures of the front and back of my driver license. Then I was prompted to use my webcam to take a picture of myself. I did this and within about a minute or so, it came back with unable to verify.

I sent an email to Coinbase support which stated this problem. What transpired after this can be understood in a series of email replies back and forth, which I will include with this complaint. The bottom line is that at this point I almost feel as if I have lost the money I invested, because they now have been unresponsive.
Back in XXXX 2016 I was contacted by a loan officer from The Money Source stating " I qualify for refinancing at a interest rate of 3.375 % from 3.875 % with no closing cost for being a good customer ". I was interested and ready to refinance. The process took months. I did not hear from the loan officer for weeks. I would call but no response. Finally I received paper work by email to refinance but it stated the interest rate was 3.875 %. I called the loan officer and told him the information was incorrect. Fast forward almost two weeks later from that interaction, I get the corrected paper work, oh and by the way it 's the end of XXXX. I signed all of the paper by email and sent them back. I waited no word from the loan officer for weeks. I called for updates, he said he will let me know. According to him, they were short staffed. During this whole time I was paying off other bills because I wanted to get a fresh start for the new year. So, I get a call from the loan officer stating that I needed {$3400.00} for closing and two bank statements to show that these funds have been in my a account. I told him that when the refinance was offered to me there was no closing cost he stated oh that 's just from a template. I was upset but I wanted the lower rate. I looked at my bank statements and see that the closing funds are not over the closing cost which he stated was required. I called and spoke with a manager because I felt the loan officer was n't providing good customer service and keeping me informed. He stated I had till end of XXXX to get another statement showing the funds in my account and everything would be ok. I received a call XXXX XXXX to inform me that I was denied for the refinancing. Loan officer stated all information needed to be turned in by XXXX XXXX. After waiting over three months and never being informed of these requirements in the first place makes me feel delude.
XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. 
XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. 
Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me