WillisBack/dataset-financial-user-claim huggingface dataset:
THE ACCOUNTS ON THE EQUIFAX REPORT ARE WRONG AND ARE IDENTITY THEFT FRAUDALENT ACCOUNTS. I WANT THESE REMOVED, BUT EQUIFAX DOES N'T COLLABORATE AFTER ALL THE EVIDENCE THAT I SENT SUCH AS POLICE REPORT, IRS AFFIDAVIT, MY GOVERNMENT ID, SSN AND FTC IDENTITY THEFT AFFIDAVIT AS WELL. 
THE UNAUTHORIZED ACCOUNTS ARE : ( XXXX XXXX XXXX ) AND XXXX XXXX XXXX XXXX )
I Purchased Furniture from XXXX XXXX XXXX XXXX, Financed thru ACIMA, Credit, and Statement had different Name for Furniture Store Purchased XX/XX/XXXX. LAST payment was XX/XX/XXXX, and Cleared thru my Bank XX/XX/XXXX, I Requested A Paid in Full Reciept, By Mail and Email, Today is XX/XX/XXXX, and I have not Received my PAID IN FULL, EVEN though I had to Pay Taxes on Every Installment payment, for my Account
My daughter attended XXXX. She was in her second year there. All of her student loan paperwork was already in before we arrived there to her school. We live in XXXX, XXXX. When we got there, they said they did not receive it, and asked me to submit my information on a new form. I had been in bankruptcy during that time, so I was surprised that all off sudden my credit was approved which means she had to get a parent loan instead of a student loan directed to her. All of this was within a week of hurricane XXXX. She was able to attend one week of class before XXXX hit, but she lost everything because she was not staying on campus. She came home to XXXX within days of that experience and never returned to school. I am now strapped to pay for her parent loan to XXXX. I have three questions. I had heard that some of the XXXX were not reporting their funding received accurately. I 'm interested in knowing if the schools received the money from the federal student loans for students that did not return to the school due to that traumatic event. Also, in 2005, was XXXX one of the XXXX reporting their funding incorrectly, And are there any special circumstances/ reprieve for students going through XXXX XXXX I also can not repay this loan. I am overwhelmed in debt behind my own student loans.
On XXXX XXXX, 2016 my aunt passed away who had XXXX bank accounts with TD Bank. Prior to her passing she told me that me & my son were named beneficiaries to all XXXX accounts plus others in other banks. On XXXX XXXX, 2016 my son & I went into the TD XXXX XXXX, NY branch to claim the accounts. We were told by the customer service rep that we were not the beneficiaries & that there were none listed & that we would need to go to XXXX Court to get Letters of Testementary to be able to get any information on these accounts. Since these accounts were totaling over XXXX we had no choice but to hire a Law Firm to handle the estate. The law Firm had to contact all immed family member plus the witnesses to the will & this caused much hardships for me & my son. After 3-4 months I was finally named Administrator of my aunts estate & given the paperwork from the NY XXXX Court that was needed to handle TD Bank. I went into Td Bank in XXXX XXXX, NY XXXX after leaving my lawyers office to close out these XXXX accounts & I requested to see all beneficiary forms attached to these accounts. At 1st the customer service rep tried telling me I had no right to see them, even with my letters of Testementary from the XXXX court. I called my Lawyer XXXX who did not agree with the bank & the Rep went to confer with the Bank Manager. He then came back & apologized that an error occurred. And showed me there in fact were Beneficiary forms for all XXXX accounts & that me & my son were the named beneficiarys. The original person made an error. I informed the bank of the Legal expenses I occurred from their mistake & told them I wanted to be reimbursed for those expenses ... They handed me a check made out to the estate of my aunt at that time as well, even after finding out there were in fact beneficiaries. They contacted their legal department & said I would hear back in a few days. My lawyer made me go back & demand payment to the beneficiarys as that is how payment should have been applied to begin with. The legal department 2 days later agreed to make XXXX checks to the beneficiaries and replaced the checks correctly. The legal department requested that my lawyer send them an invoice for services rendered for the estate. Which he did. They further asked for documentation of all work conducted & paid on the estate. Today my lawyer called me to say TD banks legal department decision is to not pay my legal fee 's incurred by their mistake and is trying to say that I would have needed to go to probate anyway and refuses to pay me my legal fee 's for their error. I can only imagine it is due to seeing her will which nothing actually passed thru, which we sent them a copy of. There is nothing else in the estate as all the other bank accounts were named beneficiaies to me and my son, her house was owned as rights of survivorship with me. I am filing my inventory with the XXXX court next week that has a XXXX balance of inventory as there is nothing in the estate.
COMPUTER SCAM EVENT I was working on my desktop computer when a pop-up SECURITY ALERT took over control of my monitor!! The ALERT stated that the computer was infected with a XXXX virus [ this was the first LIE in this drama ] and I must call the phone number displayed in the alert to have it removed ( there was no way to remove the alert my computer was frozen ). It further stated that if I shutdown the computer, the security team would take control of the computer to keep the virus from infecting their system. I complied and called the toll free number. The person who answered the phone identified himself as XXXX and his security firm, XXXX ( he mentioned they were similar to the Best Buy firm XXXX XXXX who I am familiar with ) was working for XXXX as internet security contractors [ this was the second LIE in this drama ], He told me he would have to gain access to my computer to be able to scan the hard drive and remove the virus and repair any other illicit issues. There would be a fee for this service ( I think he mentioned {$99.00} ). I agreed and he took control of the computer. Scans appeared to be taking place and then terminated XXXX came back on the line and said that the virus had been removed and some other repairs had been made as well [ this was the third LIE as I later found out there never was a XXXX virus to begin with!! ]. He went on to say that his firm provided computer security protection/repair for $ XXXX/year for as many devices as were located at my address, but went on to offer security protection for two years for only an additional {$100.00}. This is how the credit card FRAUD/SCAM charge appeared in the amount of {$210.00} on my Citi Card. Just before terminating the phone conversation, XXXX said to me ; dont bother calling XXXX as they dont want to be bothered with issues their contractors deal with. It was this statement that piqued alarm bells and caused me to call my son-in-law who is an IT supervisor with XXXX XXXX XXXX in XXXX. CA. He told me ; XXXX, you have been SCAMMED!! get your computer to Best Buys XXXX XXXX as soon as possible theres no telling what the Scammers may have done to your equipment!!.
Hello, I still have issues with complaint number XXXX. Now I received a statement from FedLoan Servicing stating the forbearance period is expiring and my next payment is over {$400.00} due XX/XX/XXXX! The whole point of this complaint was because I needed lower payments per month, not to be put in forbearance and they receive such a big bill I can not afford. Instead, they put me in forbearance and now I get hit with such a huge payment at once?? I still have no resolution on getting a lower payment per month and can not afford a payment of over {$400.00}. 




Please help?!?
Bank of America closed all my business accounts and my merchant account without any warning. closer to end of XX/XX/2018 they called me and told they closed my merchant account and do not charge anymore, then few days later I received a letter from Bank of America that my back accounts are closed and That I to go to the bank and withdraw my money from my accounts. I called Bank of America twice and was on the phone for hours and was transferred from department to department and no body is giving any answers what happened or why this decision was maid or what I can do to clear my business reputation and my good name. Bank of America ruined my reputation and refusing to clear my good name and I can not recover from that because they refusing to tell me why and what happened. I have also filed a complained with FTC Federal Trade Commission. If there is anything else that I can do please help me to clear my good name and my business reputation.
My name is XXXX XXXX and I had a past due bill with XXXX XXXX in the amount of {$1000.00} that was sent to collections. The name of the agency is Diversified Consultants. My account number with collection agency is XXXX. I resolved the payment with XXXX XXXX and paid full amount in agreeing to have information reported and retracted from my credit report. XXXX XXXX agreed to have information deleted and forwarded information over to Diversified Consultants. When reaching out to diversified  consultants myself and explaining to them that XXXX XXXX has agreed to delete information from credit report, Diversified Consultants responded they are not able to do anything but report that the payment has been paid in full. I have documentation of agreement between myself and XXXX XXXX.
On XX/XX/XXXX, my sister initiated a {$1000.00} transfer from her TD Bank Checking account to me via XXXX. I received notices from XXXX that I received the money. The XXXX app where I previously entered a debit card where the underlying checking account is where the money was to be received showed that I had received the funds. I could see in the checking account that pre-authorization transaction with XXXX listed as the merchant hit my checking account. The actual funds themselves were never received by my credit union where the checking account resided. I contacted XXXX and was told that they were simply a software platform and the money would have to be either at the sending or receiving banks. Both TD Bank and XXXX XXXX XXXX XXXX said they did not have the funds and pointed to XXXX as responsible for the money not being delivered. After multiple calls to XXXX, I finally demanded that the matter be escalated and that I speak with a manager. I was refreed to XXXX XXXX, a mid-level manager at XXXX, who claims he researched this extensively and determined that the funds were " found '' in a suspense account and that we simply needed to file a dispute with TD Bank to get the money back within 10 days. TD Bank at first refused to research the case because everything at their end said the money had been successfully transferred. TD Bank has not been able or willing to determine where the money ultimately ended up and that it was nit their problem. It has been 90 days and we are no further along than when we started. XXXX is not returning our phone calls. I am incurring interest charges and TD Bank has refused to give my sister {$1000.00} while the matter is being researched. No one is disputing that I did not receive the money.
I have a DO NOT CALL on my file with Ally Financial. I received a Call from a representative who is assigned to my account. He must have realized afterwards of his mistake their was no message left. I called back spoke to a very pleasant representative named XXXX XXXX I immediately told her I received a call. She advised me it clearly is marked on my account DO NOT CALL. She did n't try to sugar coat it or make any excuses. She apologized for that being done. As she knows this was a clear violation of FAIR DEBT COLLECTION PRACTICE ACT. She asked me if I would like to speak to the representative handling my account. I said yes, he was unfortunately was n't available. So I opted to speak to his supervisor so he would speak to his rep as a coaching opportunity. The call was transferred to his supervisor XXXX. XXXX came on the phone his tone came across as if I was interrupting him from something more important. I began to explain that I was called when I should n't have been. Supervisor XXXX stated very un-professional and not never apologized for this mishap. He stated he would speak to his rep. Wow! Then he went on to discuss my account which there was n't any need to do so since I was just given a 2 month deferral. I told XXXX my XXXX payment is set to come out on XXXX/XXXX/16. XX/XX/XXXX and XX/XX/XXXX payment was deferred. He starred he sees that. There was n't ANY REASON to go over it because I was calling in about your EMPLOYEE! XXXX tried to tell me with the deferral was approved but this will still effect my credit. I told him I know I got a XXXX day for XXXX, And I will have a XXXX for XX/XX/XXXX since my payments are due XX/XX/XXXX. I told him once the payment post my account will be current. XXXX tried to tell me my deferral wo n't be processed until XXXX/XXXX/16 even though my payment is set up to come out on XXXX/XXXX/16. I will get hit with ANOTHER XXXX credit marker on XXXX/XXXX/16 when my deferral will be processed???!?! How is that possible when I just got THIS MONTH XXXX day credit marker TODAY. He told me if I do n't care about my credit then that 's on me. First if all I had a PERFECT account for 20 months..I 'm sorry but my mother almost XXXX XXXX I had to fly back to XXXX. So things/life do happen. Everyone at Ally had been wonderful EXECPT XXXX. It scares me that he is giving out INCORRECT INFORMATION. Especially since Ally just paid out on their class action lawsuit. I believe XXXX was in violation on XXXX XXXX XXXX XXXX! I 'm by LYING about getting hit with another credit marker. How can you get hit with XXXX credit markers in the SAME MONTH.
This debt is ruining my life!!!!! In the past, I was denied housing with my spouse because of these people, and the debt is for {$9000.00}!!!! We are on a fixed income, and in no way, shape, or form afford that! These people are liars!!!!! They kept jacking up my rent without notifying me about it!!!! They lied!!! I now live with my spouse, however this still needs to be taken care of!
To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.
I filed a chapter XXXX bankruptcy in XXXX XXXX. The debt/account was opened in XXXX XXXX. In XXXX XXXX the chapter XXXX was converted to a chapter XXXX.Due to the conversion any debt that was due at the time of the conversion XXXX XXXX XXXX XXXX is now discharged XXXX XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have sent MCM an letter, the bankruptcy conversion info and the case law. No action has been taken by them to remove this account from my credit.
I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers
I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR N/A N/A $ USD XXXX
I received a phone call from a company claiming to be  XXXX  or possibly Americollect claiming they had accounts of about 800 dollars in my name.
I have received no notice from any credit account or creditor claiming i was delinquent. I have received no notificaiton from anyone that i had outstanding debt about to go into collection. I received no letter from any collection company. I was told they mailed a letter to me on   XXXX   XXXX  .
Following the phone call, i ordered an  XXXX  credit report. My report shows that i have no accounts that are in collection and have paid on time on my accounts since 2013.
the collection company will not tell me who is claiming that i have delinquent accounts.
My credit report shows i have no accounts in collection and this is very distrubing.
Navient  is the worst bottom feeders in the world. I submitted my paystubs for 2 months and bank statements. I was working with  XXXX  in a special department. I called her every few weeks since management was supposed to be reviewing my submitted documents. I got someone on the phone and she reviewed my documents and set me up on rate reduction program at 2.5 %. I can not afford the full payment and without being in this rate reduction program I can not pay anything towards balance and the amount I owe is going up. After paying for a month, I called in today to find out why I got a late fee. He told me that I was denied the rate reduction program due to being in it twice in the past few years. He canceled my automatic payments. I can not afford to pay on my loans at this time, the loans will sit. I chose to feed my family and roof over head more than pay on a loan that lies and hurts people.
Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.
Case opened XX/XX/2015. 
Modern adjustment bereu. 
They are collecting for XXXX XXXX. 
For {$2200.00}. 
I have called XXXX and asked about this collection. 
They told me that i have lived at their apartment as a sub leaser. 
XXXX girl was the leaser and i sub leased from her. First of all i never lived there and why am i getting charged if im not the leaser. I really dont get it. This is not me and they should put that XXXX girl on collection. Please dispute this case asap. Thanks
At least six times on depositing cash into my bank account the money disappears. The receipt shows a deposit but the money is n't actually in the account. My car payments and other bills have been affected over this. Friday was the sixth time I 've dealt with this. I 've heard it was a back office problem, a teller issue, new computer system issue, a closing of the day issue. The first time the manager of the Fifth Third branch in XXXX Michigan ( the bank I go to ) deposited my money in someone else 's account. I 've had it!!! What is so difficult about depositing money that they ca n't seem to figure it out!!!
NOT MINE, NO CONTRACT, NOT LIABLE, UNVERIFIABLE This account is claiming I opened it 23 years ago.I 'M XXXX which mean I opened this account at XXXX XXXX XXXX. This is not my account please remove it. I sent several letters and received no return response.
Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.
When going into a XXXXbank branch to get XXXX for my minor daughter to take to XXXX last summer, the Bank teller aggressively sold me ( successfully ) a reloadable Travelex cash card ... Stating that I could get the card in my name and give it to my daughter for her solo travels in XXXX. Teller stated that if my daughter lost card.. Another would be sent to her.. Also that card could be reloaded and used at many locations legally and it was the safest way to go. After buying and loading the card, I called " multi currency cash passport '' company to get details on usage. Cash Passport told me I would be " in breach of contract '' if I let my daughter use my card without me ( she is a minor, traveling solo ), and they would not replace it if stolen, lost or confiscated. Cash Passport mentioned that some merchants may confiscate her card. I returned to Travelex counter inside usbank and they were still aggressively selling Travelex card to parents of minors for the minor to use overseas ( I had to wait in long line and overheard same selling points that sold me on the " safe card for your child to use XXXX alone ) .. I did speak to the teller and then the tellers manager about this dangerous marketing strategy.. ( They did unload my cash card.. For a fee of course.. But that is not my complaint today ). My concern is for these children traveling XXXX with a cash card that is not replaceable if lost or stolen. This practice that Travelex is aggressively selling the cash passport card to parents that come to bank counter to get foreign currency.. And children are traveling solo overseas with a false sense of safety. I mentioned these concerns to Travelex manager XXXX XXXX XXXX XXXX XXXX XXXX, and she did not seem to understand my concerns..I would like Travelex to train there employees to not push this card on parents of minor children that come to the bank to change dollars to foreign currency. That is wrong. This is putting children in danger. 
Thank you