WillisBack/dataset-financial-user-claim huggingface dataset:
While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to Equifax, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.
HSBC Bank sent us credit cards that we did not request. I called them and they said they would cancel the cards. They could not tell me who applied using our name or why they sent us cards. About two weeks later we received a welcome packet in the mail asking us to activate the cards. I called HSBC Bank again, the cards had not been cancelled. Once again, th
ey have promised to cancel the cards. This time I requested an email confirming action on there part. I will call them back if I don't receive the requested email promptly.
I have submitted numerous documentation ( which is attached ) to the creditor, XXXX, as well as to Experian, XXXX and XXXX to validate that I have paid XXXX account XXXX in full and that XXXX XXXX illegally applied the payment to XXXX account # XXXX. 
I have requested on numerous occasion that XXXX XXXX provided debt validation for account # XXXX, however, they have not done so as required by the Fair Credit Reporting Act. 
Yet, Experian and XXXX continue to report this account as an open collection although documentation have been submitted on numerous occasions to them, proving that the money that was submitted to pay off this account was applied to an account that violates the Fair Debt Collection Practices Act. The creditor continues to violate both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and has not responded to my requests for debt validation, yet Experian and XXXX continues to report the debt based upon the false info provided by the XXXX. Due to XXXX XXXX 's blatant violation of federal laws, XXXX has correctly deleted this account from my credit file. 

I am requesting the CFPB to request Experian to delete this account from my credit file as required by Federal Law. Complete documentation is attached.
When checking my credit reports I noticed that this Midwest Recovery System is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of XXXX XXXX  XXXX XXXX and I have no idea who either of these companies are and have never taken out a payday loan with the company XXXX XXXX XXXXXXXX. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. 

This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action
I have a santander bank account -at the time of account opening -I opted for no debit card. Now when i am logged into the account and wanted to transfer money to my account in another bank - it is not letting me do that. It is asking me to enter the debit card # and PIN. As i do n't have that - i can do nothing. When called customer service they are not helping with the reason that i need to provide " debit card # and PIN ''. other option go to the branch ... i live in XXXX AZ and there is no way i can go to their branch for that. 

another issue - there is no security in their online banking ... i am inactive on that page for more than XXXX minutes -it has n't logged me out.
I am an account holder at TD Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at TD Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the TD Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about TD Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the " size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that TD Bank 's " records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my TD Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as " Debit Card Advance ''.
i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks
This company, Nelnet, is handling my student loans. On XX/XX/2017, Nelnet sent 2 policemen to my home in XXXX, NY. They told the police that I had spoken to them that day on the phone ( I do not speak to them on the phone because they have been harassing me all the time, so when they call, I immediately block their number, but they call from a different number each time ). They told police that I had threatened to XXXX myself over the phone that very day. This did not happen. I had to plead and convince the two cops that I was not a danger to myself. I was embarrassed, ashamed, and I felt completely violated because Nelnet lied to the police. I have never had to deal with the police for anything in my entire life. I was completely humiliated. After finally convincing the cops that I was not suicidal ( which was not easy, they kept looking at me like I was insane ), I called Nelnet and spoke to a " supervisor '' named XXXX who claimed Nelnet had " made a mistake '' and that she could not do a single thing for me. Her excuse was that they had called the police on the wrong person. I asked who at Nelnet had decided to lie to the police about me, but she wouldn't give me any information. 

What a miserable, fraudulent company. If this isn't harassment, I don't know what is. Imagine opening your door on your day off of work to see two giant cops asking you if you're about to XXXX yourself. I had just moved into that apartment building a month before, and now all my neighbors heard what was going on.
ON XX/XX/2018 I SENT THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCY NOTIFICATIONS IN REFRENCE TO ACCOUNT # XXXX ALEEGED CREDITOR NAME : XXXX XXXX XXXX. THE ALLEGED CREDITOR HAS FAILED TO RESPOND TO MY NOTIFICATION THAT WAS SENT 30+ DAYS ALLEGED CREDITOR WAS MORE THEN THE TIME ALLOWED TO PROVIDE PROOF OF ALLEGED ALLIGATION, AND COMPLIANCE. THE ALLEGED CREDITOR XXXX XXXX XXXX HAS YET TO REPLY. THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCIES IS IN VIOLATION OF MY STATE AND FEDERAL LAWS. PLEASE DELTE IMMEDIATELY THIS UNVERFIED ACCOUNT THAT IS CONTINUING TO BE INJURIOUS TO ME. ATTACHED IS A COPY OF THE LETTER SENT TO CREDITOR AND CONFIRMATION OF SUCEEFUL DELIVARY OF MY NOTIFICATION
Keeps calling my cell phone. No voicemail at first. Some dates : XXXX XXXX ( left msg ), XXXX XXXX pm, XXXX XXXX. Called sounded like she said " XXXX '' and to call XXXX. She was calling about my brother. 

Do n't know who she is or why she is calling. Web lookups show it seems to be a collection agency maybe " Gc Services - Debt Collector ''. Caller id says XXXX XXXX, tx but comapny is in XXXX tx.
I'm not understanding this charge for 2014. I dont owe anything and I do not accept this company having put my name on the collection
Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.
I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately {$110000.00} since XX/XX/XXXX-XX/XX/XXXX. I still owe {$66000.00} for a property that is assessed at {$69000.00}. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in XXXX. I really do not know.The last time I spoke with someone, it took weeks because I had to use regular mail. The phone numbers on my statements only lead to menus and not a person to speak with. The web site is a joke of looped links that offer no help.They told me that I can not refinance with them any longer because there is no equity. ( No kidding! They absorbed it! ) Are you able to direct me on what to do? I do n't want to lose my home and am close to retirement ( XXXX years ).
I 've disputed the accuracy of a collection account on my credit report for over 6 months now. The collection if from XXXX XXXX XXXX , XXXX and it is in the amount of {$2600.00}. I 've no idea what this debt is for an I 've been unable to get anyone to send me information regarding this debt. XXXX and Equifax continue to list this as a debt I owe, though when I called XXXX XXXX they said this debt belongs to my XXXX year old daughter. Who not only has n't lived with me in over 7 years but has n't been on my insurance in about the same amount of time or more. The address that this bill is under is also different. My address is XXXX, Ga XXXX - But the address of my daughter who created the bill is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. It seems as if this is falling on deaf ears and it 's really damaging my credit.
mr.cooper provided notice of sale or transfer of loan effective XXXX/XXXX/XXXX, letter was postmarked XXXX/XXXX/XXXX, this is not the the mandated minimum 15 day notice. Letter states they will no longer accept payments after XXXX/XXXX/XXXX. I have not received anything indication how payments are to be sent to alleged new servicer XXXX XXXX XXXX XXXX as of XXXX/XXXX/XXXX. Payment is due on XXXX/XXXX/XXXX and past due on XXXX/XXXX/XXXX. I feel this is a predatory practice to negatively impact my credit rating and reduce chances to refinance with a possible 3rd company.
According on my record on XX/XX/XXXX. I had agreed to a offer {$500.00} dollar credit line with the company Name XXXX and XXXX is associated with XXXX. The company XXXX continue Offering me more credit line Increase because I was good Customer with them and I was making payment on time with them at all cost. According on my record at that time was legal married and was able to make good amount of payment. {$120.00} a months during that time On XX/XX/XXXX I had filed for a divorce  that was being processed and that lead for me to not pay the account. I had spoken to XXXX multiple time over the phone about my Account and reason why could n't make any more pay on this account. 

I had explain to XXXX that I was on SSI XXXX since a child and that only source is SSI XXXX. XXXX made Agreement with me over the phone to pay XXXX dollar a months but I was paying more interest rate them lowing my balance down that is {$2900.00} that I would never finish paying up this account under SSI XXXX. XXXX also to me that account XXXX  account because I could n't make any payment on it and left it that way. 

By Federal law and against my right the company XXXX never informed me that they was going to transfer this debt to a collection agency. The New Name of Collector our Forster , Garbus & Garbus Attorney 's Law XXXX XXXX XXXX XXXX, NY XXXX XXXX. 

I had informed the company stop harassing me in regard this debt over the phone or by mail because I have an XXXX child to attend to and do n't have time for there harassing me by taking me to court if I do n't pay the amount own filed a judgement against me for the balance I own to XXXX. The mostly company was doing hanging up the phone with me because I refuse to give them my last two digit of my security number and also summit yesterday a fax number they had provide to me and number # XXXX I can not afford to pay this debt own please help me for them to stop harassing me because it cause stressful and pain in my life or I will filed law sue against new collection agency Forster , Garbus & Garbus attorney law if they do n't leave alone and continue harassing me or threaten me by mail. This as being my second complaint with XXXX or XXXX. the old complaint is XXXX
Midland is falsely reporting to the credit bureaus I owe them money and reporting false account activity dates to keep the information active on my credit report. The original debt was with XXXX Bank and closed in late 2008. I have disputed with the XXXX credit bureaus and Midland falsely confirmed the data as accurate. 
Midland has a very well established track record with fines from state and government agencies for doing this exact thing
Nationstar Mortgage paid my property taxes two months late due to an initial incorrect property tax payment and then preceded to charge me for their mistake by adding an additional $ XXXX. to my Escrow Acct. They took two months to correct the XXXX. problem of the incorrect property tax payment, and after 6 weeks of numerous calls, e-mails, faxes, and letters they are still increasing my Escrow Acct. The person that I talked to acknowledged the mistake but had to send it to a committee and would call me back in 7 days. She never called back. Nationstar never calls back when promised. I will attach most of my correspondence. THANK YOU FOR YOUR HELP
Transfer2 XXXX Although the CFPB solicits comments from the public, beware of retaliation if you submit a comment about a questionable action of the Union Bank.They will retaliate by refusing to credit one of your payments, hide the money or chop it up into several pieces. And hide the pieces in unauthorized accounts, that they have opened in your own name. And follow up with harassing calls threatening your account for fictitious charges.If you ask them to verify, explain and document the charge they can not do so, it is simply a ploy to intimidate you for stepping out of line. They simply repeat the allegations while removing any record of payments. While the Union Bank interferes with the work of the CFPB, which can not function without the cooperation of the public it will do nothing to protect your First Amendment rights or its own mandate. The Bank, a  foreign entity, will harass and penalize Americans who respond to the CFPB in the exercise of their First Amendment Rights by merely describing an negative experience seeking help, as it is mandated to do by Congress. The Bank will interfere with the functioning of the CFPB until it is no longer able to respond or assist. In fact, it may cost you money to respond to the CFPB as the Union Bank will levy ; fines against your account while the CFPB is left helpless.
i call twice so i can get a proof of debt, had not receive anything showing from what the debt is coming from
In XX/XX/XXXX and again XX/XX/2016, I attempted to make an online payment to on my car note with Regional Acceptance Corp - RAC - ( an affiliate of BB & T Bank ). I tried a number of times. Each time I received an error message of sorts that indicated that I was unable to make a payment. On XXXX/XXXX/16 I called an RAC branch office in XXXX, NY as directed by the error message. I spoke to XXXX at XXXX who advised me that RAC has blocked my ability to make free, convenient online payments because my payment is late. Stunned by this blatant discrimination against consumers that fall behind, I asked XXXX if that is RAC 's policy and she assured me that it is their policy to offer the " convenience '' of free online payments to customers whose accounts are up-to-date ( not late ). I told her that I have made a number of online payments in the past despite my account being late and she basically called me a liar. I asked XXXX how that policy makes any sense whatsoever and she very robotically repeated RAC 's policy. RAC purposely and maliciously is blocking consumers ability to make free, convenient online payments if they are behind on their car note!
I'm a discover cardmember since XX/XX/2016 and made 100 % timely payments, but on XX/XX/XXXX I made a payment in the amount of XXXX and because of a frozen bank account it didn't go trough.. so i re-did a payment on XX/XX/XXXX from a third party bank account but because a other check came in in the same time the payment was returned.. so I did over the payment on the XX/XX/XXXX and THANKS XXXX   everything went smoothly, but DISCOVER closed my account cuz of this payments, was on the phone with them for almost an hour and they kept on transferring me to other departments on & on ... and the main they said they cant re-open the account they just closed.
I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me.
My mortgage payments have been made and processed, yet the servicing company repeatedly changed and " loses '' the payment and attempts to recollect with late fees. I must repeatedly go through extraordinary efforts to prove that payment was made and received in order for the fees to be reversed. This has happened on 3 separate occasions in less than 2 years. 

I believe that this is an attempt to scam money from mortgage holders who may have difficulty providing proof of payment promptly.
Wile we were in bankruptcy XXXX XXXX listed on our credit report as delinquent with Trans union credit. We contacted trans union and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with XXXX XXXX.Upon completion of our bankruptcy XXXX XXXX continues to refuse to list our mortgage on our transunion credit report. It has been more than 2 Years of multiple calls and letters to XXXX XXXX to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only trans union who I have contacted and has said its XXXX XXXX XXXX our Mortgage data and refuses to release it. This adversely affects our transunion credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do
I have informed Experian that the XXXX XXXX XXXX Account do not belong to me. There are XXXX accounts reporting on my credit file negatively and both of these accounts do not belong to me. I have had a difficult time trying to get Experian to remove this inaccurate or fraud item from my credit file. Please assist me in getting these accounts removed from my credit file.
Disputed Bill as paid. Equifax refuses to remove bill and shows the account as being OPEN. The account was closed and removed by billing agency do to age. 
EQUIFAX : Account # XXXX OPEN Balance {$240.00} XXXX Original Creditor Qwest {$240.00} High Balance XXXX XXXX, 2013 Opened Date XXXX XXXX, 2013 Last Reported Individual Account. 
Responsibility Collection account
Im have financial difficulties at the moment and I have been trying to fix my credit and pay off my bills, also trying to refinance my car. please remove any bad reporting on my report. I intention is to pay off my balances. 

Thank you
My wallet got stolen with all my personal information which included my bank card pin and soical security card my bank account got hit with fraud. When I notice I contacted Bank of America they put a claim in and said I have to wait 10 business days so I waited on XXXX/XXXX/2017 I received a phone call from a Bank of America XXXX who stated she was taking the funds from my account for the claims that was put in against me. I told her she can not do this she said yes they can I went to the bank center the same day I missed work that day dealing with this situation they told me I have to wait the full 10 business days on XXXX/XXXX/2017 Bank of America stated they do not see favor in crediting bank my funds the received over {$800.00} from me I 've lost my apartment and had to move back home with my mom my car insurance is now cancelled my car payment is passed due a month. I 've explained that I have no money. Thhe fraud transaction that happen on my account in XXXX/XXXX/2017 was not done by me I 've explained plenty of times that I do n't have my wallet I also have done XXXX police reports and they still do n't see it In my favor to credit my funds back I 'm highly disappointed with this sistuation and would like to received my funds back I have been patient with them this is not fair that I 'm receiving this treatment.