WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, XXXX XXXX, one of my service providers withdrew an unauthorized amount from my checking account in the amount of {$210.00}. Once I notified XXXX, they told me I would need to contact my financial institution to get my funds returned to my account. They also claimed that they did not withdraw the funds from my account, but Huntington just sent them the funds. The Huntington dispute ID is XXXX. The Consumer Financial Protection Bureau notified Huntington Bank regarding my complaint and the bank Escalation Department contacted me and refunded the money. However, for some reason, the bank followed a " dispute procedure '' and stated that I needed to provide supporting documentation showing that I paid this merchant some other way. I once again explained to Huntington, that there should not have been funds pulled from my account period, this was an unauthorized transaction and XXXX happened to have one of my debit/credit account numbers on file. ( I have since closed this card ). 
The bank representative updated notes stating that no further documentation was needed since this was simply " unauthorized charges '' and was " not '' for services rendered. I now have another issue regarding this matter, Huntington made yet another error and pulled the funds from my account in XX/XX/XXXX! They pulled {$100.00} & another {$37.00} fee claiming they did not receive the supporting documentation showing I paid XXXX another method. On XX/XX/XXXX, I spoke to a supervisor who stated that I needed to call back at XXXX XXXX. so the matter would be escalated to their " Dispute Department '' who is the only group who can return my funds to me. Additionally, there are additional fees totaling {$250.00} that Huntington withdrew from my account in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I want credited back to my account immediately. Once all fees have been returned to my account, I plan to close my account and end our relationship with this financial institution.
I filed a Bankruptcy in 2010 my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress.
I have a personal loan with Avant, LLC. 

I initially borrowed approximately {$3400.00}. 
See below. 
{$3600.00} LOAN ID # XXXX Initially I agreed to an auto debit via checking account. 
On or about XX/XX/2018 I was alerted by my bank that Avant attempted a double debit for the same amount twice. In all honesty I believed it was a mistake, so the bank declined the transaction. I was not aware of this at the time it happened. When I did become aware I contacted them and did a payment, I believe over the phone, not realizing that they do not credit you on the day you actually make the payment ( which was a Friday ) but the next business day. 
Which to my recollection was a holiday, so it had to wait until the following Tuesday. 

At that point they contend that I have now generated a late fee of {$25.00} On XX/XX/2018 I requested a complete payoff of this loan being that I am paying XXXX a month in interest. I was quoted XXXX Good through XX/XX/2018. On XX/XX/2018 Avant received a total of XXXX. 

I did not pay the XXXX because that was in dispute and customer service said that were going to ask for a waiver. Initially the waiver was denied as it was requested incorrectly by the cust rep, but later it was granted. Now Avant want an additional XXXX which I object too, had they not mishandled things this would not of occurred. 

I am requesting assistance on this matter.
I brought up several issues about someone stealing my identity in my prior complaint and we are now on day 35 and nothing was done regarding the original case number. They generically replied " We believe the inquiries are factual '' without actually looking into them. 
Other credit bureaus, such as XXXX and XXXX, have addressed some of the issues I brought up. Experian simply ignored my request to investigate or remove the unauthorized, fraudulent inquiries from my account. This is severely affecting my ability to apply for credit and get approved or get a decent interest rate despite my flawless payment history. 
I also tried to follow through via phone call to Experian Customer Service earlier this month on two separate occasions. To their credit, XXXX inquiries were removed almost immediately. However, they have still not removed the other ones that were unauthorized. They have only told them XXXX company responded ( XXXX XXXX XXXX, where I was originally alerted the fraud of all cases! ) and said they would not remove the inquiry. They stated the rest are still pending, but it has been over 7 weeks since I brought up my original complaint! This should have been properly resolved at the latest over a week ago under the 30 day response period. 
I am attaching images of XXXX of the checks that the XXXX XXXX XXXX checking account fraud department addressed. It seems that no one in the credit card department actually did anything and that they do not talk to the checking account fraud department. I also have voicemails on my cell phone with people trying to scam me telling me what my social security number and address is and trying to get me to pay a non-existent debt via XXXX XXXX or I will be arrested at work.
MEADE & ASSOCIATES XXXX I have a a unverified account from Meade & Assoc. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.169g, I dispute the validity of the debt MEADE & ASSOCIATES and I believe it is a HIPPA Act violation. I request that MEADE & ASSOCIATES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks XXXX. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Unauthorized credit inquiry on XXXX credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX credit report.
There are several inquires I did NOT inquiry what is going on? I want these removed XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Beginning XX/XX/XXXX through XXXX XXXX, I entered into a forbearance for my student loans with XXXX XXXX. However, there are late and delinquent reports on all sixteen of my XXXX accounts on the three major CRAs, dating XX/XX/XXXX-XX/XX/XXXX. I have disputed these markings with each CRA to no avail. XXXX XXXX refuses to update the CRAs with accurate information. The inaccurate information XXXX XXXX continue to report for the time period of XX/XX/XXXX-XX/XX/XXXX is damaging, unethical and noncompliant with the FCRA. 

I have attached to this complaint, a letter I received from XXXX XXXX  that clearly states my account in Forbearance status from XX/XX/XXXX - XX/XX/XXXX.
On XXXX XXXX, XXXX, after the Equifax breach, I checked the site that Equifax had put up to see if I was affected. According to Equifax I was affected and my sensitive information, such as my XXXX, was released publicly. There are, however, reports that Equifax 's results on whether an individual was affected are randomized ; so I 'm not even entirely sure if my information was released. I am taking precaution to protect myself from fraud and I decided to make this complaint, because Equifax themselves tell me they let my information be breached but even if that was just a randomized result, then there is an entirely different issue at hand.
I submitted a dispute with Experian regarding a Collection acct ( XXXX XXXX XXXX ) on my report, that does not belong to me. Experian says the debt is mine, but has not sent me anything validating this debt.
After disputing the validity of the debt on ( XXXX/XXXX/16 ). JNR Adjustment sent copies of documents with no proof that I contracted with anyone. See XXXX. Furthermore their is no proof that said company has been assigned this debt. I am contacting you presuit due to actions that violate FDCPA.
I was a victim of identity theft and had over XXXX inquiries added to my report in an attempt to obtain credit in my name .I contaced transunion and made them aware of the situation, I also provided a police report and a copy of my license and social security card as they requested and the inquiries still remain on my report.
I am submitting this complaint on bank of america. I had an account with them back in 2011. I had paid this bill in full years ago. To my surprise upon veiwing my credit reports I noticed that this account was reporting as a charge off. I immediately started looking into this. I made numerous phone calls ... ..sent in a identity theft report etc. Today I spoke with a rep from bank of america and we went over all the transactions that were done from years ago. I explained that I did not do these charges nor cash withdrawls and I should not be held responsible for this. The rep went through everything and said she will not mark this as a fraudulant account because payments were being made on the card during these fraudulant charges. I explained that at the time I lived in a house where I rented the downstairs apartment and other people rented the upstairs but we all shared 1 mailbox. I would like to note that I did fill out a police report at the police station when I first noticed that my bank account had been hacked into along with another credit card that I no longer have. ( XXXX  XXXX  XXXX ). I also have noted on my credit reports from years ago that I was a victim of identity theft. I am submitting this complaint because I am being held liable for charges that I did not do. This is affecting my credit along with my credit worthiness. To my knowledge from legal advise I was told I can request to have this account hidden from creditors on my credit reports until the situation is rectified. I am being sent copies of all the transactions. I have already comtacted the police department over in XXXX ny to request a foil copy of the police report that I made back years ago when this happened. Bank of america is holding me liable for a debt that I did not incurr.
On XX/XX/2017, XXXX XXXX deposited a check from XXXX XXXX into heXXXX XXXX XXXX Account via mobile check deposit. She then secured the physical check in our apartment and we left to plan a special life event with subsequent travel outside the country fully expecting the check to clear. 

Upon our return, XXXX deposited the same XXXX XXXX XXXX check via mobile deposit into her Citibank Account on or around XX/XX/2017, having forgotten about the original deposit to XXXX XXXX. Later in reviewing her XXXX account she noticed that she had already deposited the check in XXXX, and she called Citibank to report the errant deposit. Citibank removed the funds from her account and returned them to XXXX XXXX. 

XXXX then ripped up the original XXXX XXXX XXXX  check and disposed of it in the recycling/trash. 

As far as we can tell, a physical reproduction of the check was then presented to XXXX XXXX XXXX at one of their branches and the Federal Reserve contacted XXXX XXXX  stating XXXX XXXX would honor the physical check over the mobile deposit. 

Without contacting XXXX, XXXX removed the funds from her account and when we discovered the transfer were told that XXXX XXXX requested the removal of funds from her account. 

XXXX submitted a CFPB complaint against XXXX XXXX that was transferred to the FDIC. 

XXXX responded to the complaint stating the check was presented to an account at Citibank in XX/XX/2017 and that XXXX requested the Federal Reserve make an adjustment and that in their words " It appears the adjustment went against Ms. XXXX XXXXXXXX XXXX XXXX Account and not Citibank. '' They also give the routing number for the Citibank Account : XXXX. 

XXXX then states in their response that the adjustment was " processed incorrectly with the Fed, and Ms. XXXX 's funds are with what appears to be a fraudulent account at Citibank. '' XXXX XXXX did not respond to the issue of the check being physically presented at XXXX XXXX XXXX. XXXX XXXX XXXX response to the original CFPB complaint is attached to this complaint.
I called navient to inforn then I 'm unable to make payments due to financial problems. I asked them since I contacted them if they could stop calling my co signer who is elderly. They told me even though I spoke to them they would not stop calling. I told them that was harassment, and that by law once contact is made thsy ca n't keep calling. They disagreed and tild me that were going to call until they had payment or payment arrangements. I told them at this time myself and cosigner are XXXX financial hardships.
I closed my account in person at the XXXX, NJ TD bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!
I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the XXXX XXXX XXXX XXXX Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : XXXX. XXXX XXXX BANK # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since XXXX! 
XXXX XXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 
XXXX. XXXX XXXX STUDENT # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 
XXXX. XXXX XXXX XXXX # XXXX Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 
XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
This is with regards to XXXX/Mohela account # XXXX. 

Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days? 

I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!
I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.
I contact the credit breau XXXX and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date isXX/XX/XXXX
In  XXXX  of  XXXX , we set up auto-pay for our mortgage payments. On  XXXX   XXXX ,  XXXX , we received a notice that we were behind on our mortgage {$880.00}. After calling to inquire how that was possible, the CSrep informed us that there was no auto-pay set up and that this was the amount due. I still did n't get a true understanding regarding how we owed {$880.00} already. However, against my better judgement, I sent a check for the amount they claimed was past and the next month 's mortgage payment that was due, which would total approximately {$1300.00}. To my surprise, on  XXXX   XXXX , I received a check fro m Nationstar for {$32 0.00}, with no explanation about where these funds originated from.   I inquired about that and they said it was for a partial payment that was received, I 'm not sure when, and they did n't say when, and I asked the CSrep why it could n't be applied to the balance that was due, since it was already in their possession, and they responded that the balance had to be paid in full. At this point I 'm so confused. I do n't understand why, if a customer owed you, you would send them a refund. From here it does n't get any better. On  XXXX   XXXX , the check for {$1300.00} was returned with the claim that I now owed {$2700.00}, which would equ als 5.5 mort gage payments and here it was only  XXXX . Still, I got no clarification, no answers when I called. So I sent payment of {$2700.00}, as they claimed that I owed, and guess what? This payment was returned as well, I do n't remember the exact date, but it was the middle of  XXXX , and now the amount had now risen to approximately {$3100.00}. I called immediately and spoke to CSrep who I asked to give me an explanation and a true, static amount with a solid deadline to pay. He informed me that the {$3100.00} was due before  XXXX   XXXX  and I promised that it would be by the end of the next week. In my mind, all is well, until I get yet another letter with the same statement, and the  XXXX  returned monies. This letter was received on Saturday,  XXXX   XXXX , and when I call them this time, they inform me that the account was never brought current ( this was totally NOT my fault ) and that the house was sold on Tuesday,  XXXX   XXXX . The most interesting & heartbreaking thing is that the date that the funds were rejected, were after the house was foreclosed. No one called and said, we 're not accepting the payment, this is what you need to do, nothing. And I 'd included a note with the payment for someone to call me, with a phone number if there were any problems. Now I 'm losing sleep, feels like I 'm losing myself with everything I 've been through. I just want my house and I have been trying to pay what was owed.
I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. 

The representative refused to help me.
I had contacte d Cash Call in order to shop rates for a consumer loan. I did not give them any of my personal information. The  purpose of my call was to only get an idea of what their rates would be in response to their advertising. I spoke with a customer service representative on  XXXX / XXXX /   17  to discuss the possibility of getting a loan with them. The call was for the purpose of discussing rates and terms. After he told me how much the rates were, I decided not to go forward. Again, I did not give them any of my personal information. It is my belief that they " skimmed '' my information from other companies that I had completed an application with. When I called Cash Call to discuss with them that I was upset they had run my credit without my permission, they said that I did give them permission. That is completely false. The dates do not match up either. My credit report shows it was pulled on  XXXX / XXXX / 17  and the customer service rep said it was pulled  XXXX / XXXX / 17 . I have the email that shows when the credit report was pulled. Also, when I asked to speak with a supervisor, they  said one was not available.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX  XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX
In XXXX I had to move from XXXX XXXX XXXX in XXXX XXXX  because the apartment community decided to dig up the parking lot to begin building another apartment building slated for opening in XX/XX/XXXX. Because of this inconvenience I had to move out because I am a single woman and can not risk my safety by parking in a lot 5 or more blocks from the apartment community. Instead of them allowing the move with no fees owed due to this huge inconvenience, there has been a debt owed of {$3700.00}. I disputed this debt in XX/XX/XXXX with the XXXX because it is unfair and unreasonable my rent was $ XXXX monthly. I am unable to move to an affordable location because of this. So how can they expect me to pay them? As a result of my request In XX/XX/XXXX, this company removed the collections off of XXXX and XXXX  credit reports but not XXXX. I then made another complaint. XXXX  of XXXX, XXXX  has all correspondence. I am filing this complaint again on XX/XX/XXXX because this company added the collections back on my credit. So illegal and unfortunate because I am trying to move.