WillisBack/dataset-financial-user-claim huggingface dataset:
There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Experian. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
On or about the date of XX/XX/XXXX, Equifax reinserted 2 collection accounts onto my personal credit report. Both accounts had been previously disputed & subsequently removed from my report. I did not receive the legally required 5-day written notification, nor did I receive notification of any kind. 
The 2 collection accounts are listed below : RECEIVABLE ORIGINAL CREDITOR NAME : XXXX   XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$830.00} I have tried numerous times to submit a dispute to Equifax in regards to this matter. As they completely eradicated most of my credit history on or about the same date of XX/XX/XXXX, I have been unable to verify my identity to access my report.
When I obtanied this loan in XXXX XXXX 2007 from Suntrust I was attending XXXX XXXX XXXX. The loan was a joint loan with myself and XXXX XXXX. The loan was suppose to have been put into forebarance and then a defferment due to me still attending school. I have other student loans that are in defferment due to me being in school as well. When I contacted Suntrust about the loan being in defferment they told me that it was.This loan has been reporting very negativley on all three credit reports and I would like the information to be removed. On my credit report it is reporting that I was late and I was not due the fact that the loan itself was suppose to be put into defferment.
My Trans Union credit Report has too many inquiries in my report. So of them stems from the same company and has the same time.. Trans Union and their Customer Service Representative would not help and take care of the negative inquiries reporting to my credit report I want these inquiries to be delete from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a letter from Glasser and Glasser law firm stating they are retained by XXXX to collect a debt of {$7600.00} on an account that I have never owned at any time ending in XXXX. They said it is XXXX and XXXX Customer Service has no record of that in my name or of hiring this law firm. I believe it is either a scam or a fraud of identity theft. Please help me get rid of this.I have a Federal Trade Commission Report Reference # XXXX on XX/XX/2017.
On XX/XX/18 at XXXX, XXXX XXXX from Accelerated Servicing Group ( XXXX ), called an left a threatening voicemail. He said that my account had been escalated and placed with him for resolution among other things.
1. Bank of America has not contacted me regarding my financial situation. It clearly states on all forms that send that " We are here to help ''. They have not. They occasionally leave a message but do not follow up or require very long hold times. 

2. Bank of America refused to hear my appeal. I was told I would be contacted for the additional information I had, they did not contact me. 

3. It took Bank of America over 1 year to review and re-review my documents, only to determine I did not qualify. I appealed to review their documentation. They denied my appeal in a matter of a couple weeks when it took them over one year to initially make the decision, leading one to believe they expended little to no effort to review this case. 

4. Bank of America is encouraging me to default on making payments of my loan. They stated that this is the only way in which they consider helping out customers. 

5. Bank of America did not address all my concerns in the original complaint and stated so. They have not contacted me to assist in this matter. 

6. Bank of America sold me this loan based on false information. They explained it was a 30 year loan but did not explain it would be " interest only '' for the 30 years, that it would adjust after XXXX. I would not have purchased this type of loan if I had know this. 

7. Bank of America has offered me no solutions to resolve this matter. 

8. XXXX To which Bank of America states I make to much income for there loan modification program, XXXX other banks stated I made to little. XXXX 9. Bank of America stated that they would not give me exact information regarding the amount of income or debt one needs to qualify for a loan because they sated people could lie about it. However, some people may decide they need to get a job, or a higher paying job in order to qualify. 

10. Bank of America has assigned and then changed personnel to help me over XXXX times.
I am trying to obtain a loan modification with CitiMortgage. Without notification, they sent the loan modification paperwork via XXXX which I never received. My attorney had claimed Chapter XXXX to prevent them selling my house many months ago which we let be dismissed because they were working with us but in such time, they will not accept my payments, will not provide me with a XXXX, have put my house back into foreclosure and therefore we have been forced to file again. My mortgage support specialist never calls back when he says he will not even to my attorney. My situation is complicated so there was additional paperwork, in which they did not disclose the information for, that was signed and delivered for the second step of this process that they DID receive, however, they never contacted us about the loan modification documents which was the first step. There seems to be no protection for me because the XXXX envelope was not delivered to the proper address or got lost somewhere or put in a bush. I do n't understand how this is acceptable. There needs to be some sort of culpability for the mortgage company. We have been jumping through hoops for the last year and a half trying to get this settled and still it is not. I am a single mother just trying to save her house and I feel like I have no rights and that they can just do or say whatever they want. Are there any protections in place that would ensure they proceed in a professional manner and are responsible for their actions and holding up their side of the bargain?
Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.
Some time in XXXX, I received XXXX fees totaling {$70.00} ( {$35.00} for initial overdraft, then 5 days later an additional {$35.00} ). Upon learning of these fees, I went into my local branch to get clarification on fees process. I requested to terminate overdraft protection on my account and I was told it was done. Sometime in XXXX I received additional {$70.00} for the same reasons mentioned above. on XXXX I contacted the bank for the second time and was informed that the changes I requested were n't made when I initially requested them.
I somehow got multiple paypal accounts with XXXX different emails but the same social security. I was signed up for the credit portion billmelater AKA paypal smart connect. I was not informed that I had a XXXX credit card with paypal. I set up payments with my bank for products yet I keep getting calls stating I am late on a payment. I can not find such late payments on the paypal sites even after signing in with each separate email address. I can not figure out how to access the site properly and when I contact paypal via emai they never help other than send me a generic email that does not wnswer my questions. I had set up scheduled payments via my bank account and now it says on paypal that I can not set up scheduled payments until bank account confirmed- WHICH it is confirmed since I have been making payments with this bank account all along. I am confused and I can not figure out how to use the NEW paypal website. I can not access transactions and I believe paypal has made its site confusing just to add late fees and extra charges. I am beyond frustrated and angry with paypal and my accounts are so tangled up and confusing that I do n't now what I actually owe and how to get help from paypal ironing this out. I do not want MULTIPLE accounts and I am tired of getting calls stating I am late when I can not find anywhere on the paypal site nor from my emails that I am late on any payment. Other than phone calls from paypal, I am current on all my accounts. Something is not right and I need help figuring it out.
On XX/XX/XXXX at around XXXX XXXX I was victim of internet crime. I was trying to make a transaction of money from my XXXX account into my Coinbase account. 
I was trying to convert Tron in lite-coins in my XXXX, in order to send to my Coinbase account and I couldn't, and so I decided to call to XXXX Customer Support number I found on XXXX. I called and immediately someone answered by the name : '' XXXX ''. He said he would help me resolve the issue and instructed me to give him access to my XXXX account. Then he said there was something wrong with my Coinbase account and that this was the reason for why i was not able to do the transaction. He then asked me to give him access to my Coinbase account. Within a minute, I had no balance on my Coinbase Account, where I previously had 2 bitcoins and 8 lite-coins for an amount of {$22.00}. I asked him why my balance was at XXXX and he said that I would have to wait a couple of minutes an the hung up. In my desperation, I called again and no one picked me up. I searched for other number to call and they did not pick up either. I finally received a call back from one of the numbers I had previously called. I spoke to " XXXX XXXX '', and he told me I was hacked, and that in order to retrieve this money I would need to send him {$1000.00} in Gift Cards. I did not believe this and hug up. I have contacted to coinbase immediately explaining and they told me to file this report at that time. 
The numbers that I called were supposed the Customer Service Support of XXXX are : XXXX - this is the initial number I called, where I talked to XXXX. 
XXXX - Extension XXXX this is the number that called be back and asked me for XXXX $ in Gift Card, XXXX XXXX ... and few days after still was calling me at home. 
XXXX ; XXXX ; XXXX ; and XXXX, these number are still on XXXX as a XXXX Customer Services, and timing every day. They do not only stool my 2 bitcoin and 8 litecoins from Coinbase, they also stool my IOTAS and TRON from my XXXX Account ( around {$3.00} ) I am so desperate. 

In other hand I had Money in transit from my bank account to Coinbase at that time for XXXX $ us that is why this hackers did not took that amount too. Coinbase sent me a confirmation of that amount arrived on my account on XX/XX/XXXX, but I couldn't see even that statement, because since Coinbase knew about this problem and received this complaint, they blocked my account I understood that, but since that time, I have been calling every day ... but nobody tell me what is going on, I dont't know nothing about the amount of XXXX $ and even they told me that the other amount of XXXX $ is on my account, I never have access to my account, they said that they will communicate with me, but it is almost one month, and I don't have any news from y money or my account.
I sent payment via mail last Thursday. This is plenty of time and before payment was due. I am now being charged a late fee. I need this corrected.
On XX/XX/XXXX, I checked my bank account as i normally do every other day, and i noticed that had a a fraudulent transaction. Someone in California hacked my debit card and make 3 purchases of {$3000.00} each. I called immediately to my bank to make a claim and dispute the charges. In the process, one of the customers services representative explained to me, that because it was a big significant amount, 2 of the 3 transaction was not going to go through. And that they were making a claim for only {$3000.00} out of the {$9000.00}. When i made the claim, the bank issued me a new debit card, they gave me a new user name and password for my bank mobile app, and they also ask me for a secret password in case something like this happened again, they could verify my identity. In result of this situation, I also called all the creditors unions, such as XXXX, XXXX, XXXX to request a security alert. Two weeks after the incident, on XX/XX/XXXX, when i checked my bank account once more, I noticed that Bank of America did charge the {$6000.00} that they said were not going through on the weeks prior. I called again to my financial institute to dispute the charges that I originally try to dispute on XX/XX/XXXX. When I reached out to them after waiting their 10 days of verification and processing, another representative told me that the money was going back to my account on XX/XX/XXXX. On XX/XX/XXXX, i called to check the status of the money once again, and this time another associate told me that BANK OF AMERICA has denied my dispute due an insufficient urgency from part. That same day I went to the closest branch around my neighborhood. In person and with a help of the branch manager, I made a written complain, explaining the situation above. This complaint was fax to the Bank of America debit card operation. And even though they promised to expedite my case file, still today they have not giving me a clear respond about my money. Its been over a month and so since this unfortunate event, i have been call bank of america at least 60 time these past weeks, and I have been told from their customers services departments many different outcomes. I do not understand what they meant about me not having an urgency regarding the situation, when i followed all the steps they asked me to. I have evidence of my calls, of the bank sending me plenty of secure codes and emails from their part advising what to do in cases like this. Its evident that I did have an urgency since day one.
See previous complaint # XXXX which was " closed with explanation ''. I have a letter that this inquiry from XXXX was fraudulent and should be removed. This inquiry is harming my credit report by affecting my ability to obtain credit. It should be removed immediately. 

I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XX/XX/XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.
Equifax is reporting a specialized collection with XXXX XXXX  XXXX. I disputed this with all three credit bureaus, but Equifax is the only one still reporting it. This account is not mine, and I have been trying to get it removed.
I had to go to XXXX XXXX XXXX Hospital in XXXX, Maryland on XXXX/XXXX/XXXX with XXXX. Before going there I checked and confirmed with my insurance that they were an in-network healthcare provider. I submitted my insurance card at the XXXX XXXX Hospital XXXX. The doctor who saw me was XXXX XXXX. In dues course of time I received bills from XXXX and paid them immediately. Yet this doctor ( XXXX XXXX ) and her outfit ( XXXX XXXX XXXX XXXX ) failed to bill my insurance for several months. Instead somehow billing my wife 's insurance ( different from mine ) and even received payment from them. They did not submit a claim to my insurance and then sent my account to collections. Once I found out about this situation I called them but they still did not submit a claim. Finally I was able to get my insurance to contact them directly and have them submit a claim in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX XXXX XXXX XXXX ) processed the claim and told me my responsibility to pay is {$160.00}. Yet this company, Maryland XXXX XXXX XXXX XXXX is insisting I owe them anywhere from {$750.00} to {$390.00} ( it varies ) and have been hounding me with a collection agency ( Transworld systems ). I have faxed them the claim statement from my insurance but they have ignored it. I would like to report this company for fraudulent over-billing and request that your Office take appropriate action against this company/doctor and also help resolve my issue. 


XXXX
A loan modification was denied and an appeal was faxed over to the lender. Since it was n't emailed to the correct department they refused to review the request. A notice of error was submitted today requesting a copy of the guidelines listed for the denial. A 20 % reduction in P & I is not a RESPA guideline and the homeowner shows he can afford his payment without that reduction.
On Monday XXXX XXXX 2015 at XXXX EST I returned a phone call from a debt collection company called Nationwide Debt Management Solutions . An employee from the company answered the phone who identified himself as XXXX. XXXX began to give me information regarding my debt and the reason for the phone call. XXXX asked me to provide him my personal financial information and where I worked. I declined to provide this information as I felt unsafe to do so without receiving written notice. 

Abruptly another male employee jumped on the phone identifying himself as XXXX XXXX, Collections Manager, and demanded I provide the information XXXX requested or they would n't be able " help me '' with making payments. He threatened me that he would tell his staff not to provide me payments if I did n't give him my personal information. XXXX went on to use abusive and aggressive language by demeaning me by in a hostile tone, " you know your financial situation. '' " If you do n't tell us the information we need to know then we wo n't be able to setup payments. '' The harassment continued on with his bullying tactics and trying to scare me while the other employee XXXX did nothing. 

This company has XXXX complaints filed with the XXXX. Someone needs to take serious corrective action against this man and his company. It is not the Wild West and if I am held accountable to a low credit score due to my personal financial situation then unprofessional and harassing collections agents need to be held accountable for their unprofessionalism and abuse.
First, this debt has been paid directly to the original creditor so this debt is invalid. Second, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
I received a letter from Capital One advising my secured credit account, and Kohls Charge Card has been canceled, due to, " Principal owner ( s ) past, present or pending legal action. '' I contacted Capital One. The person I spoke with advised she can not give me any information besides what was stated in the letter. She further advised checking my local or county court system. I asked how was the background check completed if I did not give consent. immediately her demeanor changed and she quickly ended the call. I never gave Capital One consent to c
onduct a Criminal History background check. I further checked the terms and conditions, and nowhere is stated that a Criminal Background check, is consented.
I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.
I made a mortgage payment on XXXX/XXXX/15. My mortgage was paid off completely on XXXX/XXXX/15. The payoff amount did not include the payment made by me on XXXX/XXXX/15, and so now I am owed approximately {$3900.00} from the mortgage servicer. It has been over 30 days since the payoff of my mortgage and the servicer has no information whatsoever on the refund they owe me.
In XXXX I made payment arrangements with Allied Interstate for some of my student loans that went into default ... the only reason I was in default on these loans was becuase XXXX made an error on my payment arrangement with them and was/is only applying my monthly payments I automatically make to them to half of my loans ( unknown to me and even XXXX does nto know why that happened and they are the ones that set the payment up ). 
Anyway I have been making payments by automatic deduction to my debit card ( because I was told by Allied Interstate they can not do ACH debits for payments just debit cards which I do not believe is correctnd seems a bit shady/illegal ). the payments are made every 2 weeks and have been taken since XXXX 2015 but I still continue to receive calls daily, sometimes several times a day and letters threatening to garnish my wages or take further legal action if I do n't make payment arrangements. When I called them to tell them I am making payments and to stop the letters and calls I was told that they would stop but they have not. In XXXX I was changing jobs and called to have them change the payment dates as my pay schedule was changing and I explained that my new payroll would not reflect dedcutions for insurance, union dues, etc for at least 60 days but that I would provide copies of my new paystubs and new income amount at that time. I was assured this was acceptable but still keep getting calls and today received another voice mail threatening this time not only threatening to garnish my wages but to cancel my payment arrangements if I did not send in the payroll information. I left them a voicemail in return explaining again that I had arranged to send in my new payroll information at the end of XXXX as agreed and that I was tired of being harrassed and ifit did not stop I would contact an attorney as I am tired of it ( this was all said politely ). In the voice mail I explained I was at work and was unable to talk and yet they called back again. This has been going on for months and I feel is harrassment. This company has had previous legal issues with their collection methods from my research and I want them held accountable.
I am a Capital One account holder and was attempting to place a stop order on a large check due to inaction on the check for 30 days XXXX payable to the IRS ). In attempting to place the stop order, the fee related to the order was not disclosed, but rather you were directed to your account disclosures or to contact a toll-free number. After going through the Capital One 's long phone-tree to get to customer service, I was surprised to learn that the charge for stopping payment was {$35.00}. In my view, Cap One 's practice is unfair and deceptive insofar as it does n't clearly disclose such a large fee at point of entry and there is no link to any other fee disclosure. It would seem that this is clearly a violation of UDAP and should be remedied.
I recently checked my credit report and discovered that this company is reporting that I owe them a debt. To the best of my knowledge this company has never provided a service to me and I have never agreed to pay them for said services