WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a check into Bank of America. In the past, the funds would be available the next day. People in the bank said they have a new procedure and placed a hold on the check. I deposited the the check on XXXX/XXXX/XXXX and the money was deposited into Bank of America. I wrote the check from XXXX XXXX XXXX and they told me the money was withdrawn. Bank of America received the money but it put a hold on my account. I do n't think it 's fair that they have the money and the hold is still on account. This has been a recent change with bank of america.
After finishing grad school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. Navient reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was missed. and
The credit reporting agency did not receive my permission to report my personal information. They have also failed to verify contracts between the alleged creditors and myself. This is in violation of Section 609 of the Fair Credit Reporting Act.
On XX/XX/XXXX, I have sent the company a " cease and desist letter '' via registered mail, but the company contacted me again, after receiving my " cease and desist letter. '' Today ( XX/XX/XXXX ) I received their letter dated XX/XX/XXXX. This is much after they received my " cease and desist letter. ''
Hello, On X/XX/2017, Equifax announced publicly that many consumers credit reporting information was breached. I went to the equifax website to enter the last 6 digits of my social security number to find out if my information was part of the breach. The Equifax system confirmed that it was ( i have a screengrab of it ). Due to Equifax 's lax security, my information has been compromised. I called the company to follow up but kept getting rerouted to different extensions and to dial other XXXX # s that also belong to Equifax. I was unable to request the credit freeze as they advertised on the Equifax freeze website as I could not get to the 'proper ' person! 
Consumer information is to be protected, and through no fault of my own, Equifax systems were compromised. Due to their insecure systems now i have to put a freeze on my credit and monitor that no one misuses my information!
OK I have received a inquiry on my Equifax, and XXXX XXXX, and XXXX, credit bureaus. This is a un AUTHORITIES inquiry on my credit report..THIS UN AUTHORITIES inquiry has DROPED my CREDIT score 36 points.. I had a XXXX now it a XXXX which has hurt my credit score. I didn't apply for any credit lines so this is a mistake or fraud .. I guard my credit scores and protect it. I MONITOR my credit scores everyday to make sure it says right.. I had my ID stolen before so I keep track of it everyday so can know if something is wrong ... the company name is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.. I am disputing these inquiry with all three credit bureaus and the FTC and cfpb.. this is a violation of my rights. I am unaware of XXXX and I don't know why they did a un AUTHORITIES inquiry on me for ... I NEED them to send my a contract with my signature on it. I did not sign any thing with them and don't know how they ran a inquiry on my and hurt my credit. this is a violation of the fair debt credit reporting act ... they have damaged my credit and I use my credit to do business. this will hurt my ability to do business and make money to take care of my family.. I DEMAND THAT XXXX TAKE THIS UN AUTHORITIES INQUIRY OFF MY CREDIT IMMEDIATELY .I HOPE I WONT HAVE TO ESCALATE THE SITUATION.
Bloomingdales has violated my rights. Bloomingdales has failed to provide proof that this account belongs to me. I will be consulting with a consumer attorney as well as writing the Attorney General office regarding this company. I will not pay for something that I did not authorize.
XXXX XXXX XXXX XXXX reports {$420.00} charge off. This is not my account. It is reported open in XX/XX/XXXX. XXXX reports it closed in XX/XX/XXXX. They both report it as a joint account with my husband. 
XXXX XXXX not my account and reporting a charge off of {$210.00}. 
XXXX XXXX not my account and reporting a collection of {$210.00}.
I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks.
I have a car loan through XXXX, which I believe was bought out by FlagShip Credit, but have never been told this by the company. I realize that I am behind on my loan but they have now reached out to an ex-boyfriend of mine 3 times now, once in XXXX ( followed all rules and regulations ), again on XXXX at XXXX in the morning and proceeded to tell him that I was 3 months behind on the car and that they would come repo it is he did n't have me pay it, and then again on XXXX - XXXX - called him again and said the same thing. I am the only one that is on my car loan. They have now given out personal information about my loan to someone who is n't on the loan and they continue to reach out to him. This is illegal and unethical practice. Again I know that my car is behind but they need to reach out to me not him and I do plan to move forward with holding them accountable for their actions and protecting myself.
Summary of Personal Experience with Sallie Mae Student Loan I began making regular payments on my Sallie Mae student loan in XXXX 2015. I had just graduated and started working and wanted to pay them off as soon as possible because of the very high interest rates ( XXXX {$10000.00} loans@9.75 % & 10.25 % ). 
I signed up for auto-debit payments on a 10-year standard plan, but also planned to make extra payments on the loan. I called Sallie Mae to see if they would allow me to set my auto-debit at a higher amount than the minimum payment due, or if I could select an additional amount to be auto-debited to help me pay the debt faster. Sallie Mae informed me that there was no way to set that up and that their system only allowed the calculated " minimum payment '' to be auto-debited. If I wanted to make extra payments, I would have to log into the account online or call them. For several months I logged into my account at the end of each month and made a manual extra payment. 
After a few months of extra payments, I noticed that Sallie Mae 's courtesy auto-payment email reminder listed a lower auto-debit payment amount than I had originally been paying. I called them to find out why my auto-debit amount was decreasing. They could n't answer why that was when I called, and asked if it was okay if someone " researched '' my account and called me back in 5 days. Before the 5 days was up, I realized that the reason my auto-debit was deceasing was probably due to the extra payments I had made on the loan. I was trying to pay the loan faster, but Sallie Mae was adjusting the auto debit amounts to catch me back up to a full 10 years of payments. 
I called Sallie Mae and requested that they not decrease my auto-debit payments because I wanted to pay the loan early and I like to keep a budget and it helps to know the exact amount that will be debited each month. Sallie Mae told me that unfortunately " their system '' generates the auto-debit amount and that it can not be adjusted. Their system will keep decreasing my auto-debits as long as I made extra payments. They told me that if I wanted a constant payment I would have to log into my account on the same day as my auto-debit and manually " make up the difference '' every month. 
Customer Service Issues : Calling Sallie Mae was an incredibly frustrating experience. For example, I was often put on hold for hours at a time without ever reaching a supervisors or anyone with answers to my questions. When I asked politely to be transferred to supervisors or managers who had more experienced knowledge I was told " no problem '' and then transferred to another call representative over and over again- never reaching a person who could answer my questions. The call representatives refused to provide their names or their names of their supervisors or provide me with direct contact numbers so that I could resolve my questions/issues more quickly.
THIS SAID COMPANY CHARGED MY VISA BANK OF AMERICA CREDIT CARD XXXX ON XX/XX/2010 WHEN I SAW THE CHARGE ON MY STATEMENTS I REPORTED IT TO CREDIT CARD AND I WAS TOLD FROM AT REP THAT THEY WOULD CREDIT MY ACCOUNT WELL THEY NEVER DID. I TRIED TO CALL IN AGAIN TO REPORT THIS SAME CHARGE AND THEY ARE NOW SAYING THAT THE CHARGE IS TOO OLD AND THEY CANT DO ANYTHING FOR ME. IM REPORTING TO YOU BECAUSE THEY SHOULD BACK THERE CLIENTS AND REFUND MONEY THAT WAS TAKEN OUT OF MY ACCOUNT THAT IS FRAUD. PLEASE HELP ME GET MY MONEY BACK
I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother. 
XXXX I was layed off and gotten sick could not pay make payments. 
1. Being sued by PHH mortgage XXXX to foreclosure. 
2. They have no assignment of mortgage. 
3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself.. 
8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders. 
9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up. 
10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me? 
Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.
In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX
I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you
Requested this company to c ease and desist and send the debt back to the creditor ... they did not still receiving letters when I asked them not to.
I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.
I have a report of XXXX hard inquiries reflected on my XXXX XXXX reporting of my transunion credit report. There should only be XXXX : XXXX of the inquiries were made on the same date, and were made to obtain an auto loan ( had I know the car dealership was going to do that, I would not have authorized the inquiries ). According to all the credit scoring information out there for consumers, these should only show up as a single hit to my credit score, but they 're not. They 're showing up as XXXX. I tried asking the lenders for a letter of deletion, as I was instructed to by transunion, but the lenders refused, saying that to do so would be illegal.I have asked transunion to remedy the problem, and was directed to ASK THE LENDERS FOR LETTERS OF DELETION THAT THEY WILL NOT PROVIDE. The scoring model that XXXX uses is the XXXX model, and XXXX will not fix the problem either, directing me back to transunion. Meanwhile, I 'm trying to get a mortgage and can not pull my score up by those XXXX, very necessary, points. I feel as though I 'm being held hostage by this process and have no remedy except to sue somebody, an that wo n't solve the problem quickly enough to help me secure the mortgage I need to get my family into a very reasonably priced home.
Debt collector contacted my place of employment and told them that they would take legal action against me if i did not get the message to call them by the end of the day ... Also gave them a case #. The debt is from XX/XX/XXXX ... statue of limitations has passed in XX/XX/XXXX. They contacted me today and told me that they would be delivering court papers to my resident and my employer and told me they have already contacted my supervisor about the procedures of coming onto property. I see this as scare tactics.
We have been experiencing several issues with the Wells Fargo branch located at XXXX XXXX XXXX, XXXX Florida with just two particular individuals a male manager and a teller by the name of XXXX XXXX 
My mother have received some funds to fix her house where we live due to damages that had occurred in our home and the mortgage company send us several checks to pay the contractors that we have hired to do the jobs in our house. We went to the bank with the check and they did not want for us to deposit the check to my account even though my mother signed it over to me nd I have power of attorney to take care of her affairs and to pay the contractor for the jobs. They say we couldnt and that we have to deposited into her account, so we went to another branch and it was deposited without any issues. So, in two weeks, they sent us another check for the deposit of the contractor, so we went again to the XXXX XXXX XXXX branch because it is close to our home, and again we had the teller XXXX at the drive through and I again informed her to please deposit the check into my account and she went ahead and deposited in my mothers account, and my mother can not have high deposit show in her account because she receives social security disability and food stamps. When we got home that is when I noticed that she had deposited into my mothers account, so we had to wait on Monday to go in to the branch to transfer the funds into my account, so we found a teller that made the transaction for us without any issues. Now on Saturday XX/XX/XXXX I went to the drive through and behold again its XXXX, I fill out the form and needed to withdraw XXXX dollars to pay for a job that was just completed and XXXX told me hold on and she called that same supervisor a male that I dont recall his name made me wait for so long and then he came to the window and says that I can not withdraw the XXXX dollars because blah blah and mind you I just withdraw {$7100.00} the previous day to pay off the balance to our contractor in order to get release of lien. And they are telling me I can not withdraw and what made me so mad is that as I was leaving they started laughing at me. Now this is so unprofessional and I see that we are being targeted by this supervisor and XXXX.
I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.
I get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time.
Dear CFPB, On XXXX XXXX, 2016, I went to the Comerica Branch in XXXX XXXX, XXXX XXXX to close my individual account. A couple of months later I noticed funds had been withdrawn from a different joint account on which I am a signer. It turns out the Comerica Branch in XXXX XXXX did not properly close my account on XXXX XXXX, and as a result, I was incorrectly charged inactivity fees, which then turned into overdraft fees as the account dropped below {$0.00}. This negative balance was then automatically pulled from the joint account. 

I went to the XXXX XXXX Branch where I closed my account in an attempt to resolve the issue. The manager there told me to contact the branch in Texas where I had originally opened my account. I have been sent back and forth with no resolution. Comerica owes me {$50.00} as a result of being charged inactivity and overdraft fees due to their error. I have patiently worked with them to no avail and request the assistance of the CFPB in finally resolving this simple matter. 

Regards, XXXX XXXX XXXX
I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.
Received a letter from Affilliated Credit Services dated XX/XX/XXXX stating that I owe {$160.00} with fees due a check written to XXXX XXXX. The letter states that the check was written on XX/XX/XXXX. 

I have not written a check nor been in a XXXX retail facility in at least XXXX years. 

Upon contacting ACS, I learned that the routing # for the check was that of XXXX XXXX Bank. I had an account at said bank at XXXX time but it has been closed for at least XXXX years. Further, the check # was XXXX digits long and any old checkbooks someone might have found would only have had checks with XXXX digits. 

Please advise me as to how to proceed. 

Thank you,
I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords. <P/>The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. <P/>ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX  and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.