WillisBack/dataset-financial-user-claim huggingface dataset:
I 've encountered one major problem with the way my payments are being handled by the lender.
1. I enrolled in automatic bill payments from XXXX XXXX months or even years ago believing that I would pay monthly interest while I was out of school to not accrue interest. When I went to review my account today I noticed I had accrued a little over {$600.00} in interest. It seemed a bit odd because my monthly amount was set for {$580.00} which should have taken care of all accrued interest for my original full loan of which I had already started making pre-payments for, thus some of that amount should have already started going towards the principal. I called the servicer to inquire about why that may be and also why when I look at my recent payments I only see the additional prepayment amounts and not my monthly automatically set up payments. I was informed that because I 'm back in school and do n't currently owe anything on my loans my payments were suspended by the lender. 
There are two problems with this : ( 1 ) I was n't informed via email or through any other means that my payments were suspended because of the aforementioned reason. 
( 2 ) When I visit the automatic payment page through the leander, it still shows that automatic payment, its amount, and asks whether or not I want to suspend the payment, which should be made the first of each month. That makes me believe it 's still current and not suspended. Also, nowhere else on that page does it mention that payment as being suspended ( please see the screenshot attached ). 
While talking to the supervisor about this ( XXXX ), I was informed that it was part of the original documentation when signing up for the automatic payment and, therefore, they fulfilled all of their obligatory duties in informing me of the payments being suspended while I 'm enrolled in school. 
Not displaying my suspended payment clearly on the automatic payment site where I go to review my payment is an attempt by the leander to accrue more interest. I ca n't be expected to remember every term of a document I signed years ago, nor would I go to review said document over the actual site where the payments are being made for the most up-to-date information.
There are HARD inquiries being reported from the following companies on my credit and Experian is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.
This CFPB Complaint is NOT a request for reinvestigation of a dispute. Equifax continually blocks me from obtaining disclosure of my consumer file also described by Consumer Financial Protection Bureau ( CFPB ) as " file disclosure ''. On XXXX XXXX XXXX and several days thereafter, I repeatedly tried to purchase my Equifax file using the automated system XXXX but to no avail. Equifax repeatedly declined my requests to purchase my file when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly, I NEVER received results of the alleged completed investigation from Equifax. Also, alarmingly, for the year XXXX I NEVER disputed any information in my credit file with Equifax. Evidently, someone other than me, made an unauthorized dispute in my consumer file. I am a victim of fraud. On XXXX XXXX XXXX, I discovered that the numeric portion of my current address was changed without my knowledge or request. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g serves to further expose me to fraud/identity theft and harm. On XXXX XXXX XXXX I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money order # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure. Subsequently, I learned that my money order # XXXX was cashed. However, I dont yet know who cashed the money order. I do NOT have any record of an agreement for subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries. I do NOT want any subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries.
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX as their site is garbage.
I received a call at my place of employment XX/XX/2018 stating it was " an urgent matter '' I can not receive calls like this at work and my receptionist informed them of this. I received a call the following day XX/XX/2018, reception again informed them they can not call me here. I have had 1 call on my personal line so far as of XXXX on XX/XX/2018. I received 6 calls on my personal line XX/XX/2018 with no voicemails to call anyone back. This is inappropriate and I would like the calls to stop. I know someone who worked there for a short time and left because of the way they are instructed to harass people and talk to them as though they are garbage. I know they have violated the law by calling my employer a second time after being informed not to. I would like this formal complaint followed through and further action taken against this company. They pride themselves on being bullies, harassing behavior, and intimidation.
I have tried to dispute this item from my credit file multiple times with no susses. i do not recognize this debt. and would like it removed-
I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX Bank. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX Bank is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX
In  XXXX  of   XXXX   i had contacted equifax about inquiries that was on my credit report. I do not have any knowledge of these inquiries. Equifax told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.
Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back.
I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XXXX2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.
XXXX XXXX Thursday, XX/XX/XXXX I called TD bank they told me I have to come in to set up online banking. I arrived shortly after I arrived @ TD bank XXXX XXXX supervisor Im formed me of 3 open accounts that I had open recently I called TD bank they told me to come to the office to sign a document that was n't known to me stating that they get my funds I was lied to by XXXX XXXX informed me nothing instead told me I was signing for the 3 accounts I my signature was not authentic because I was n't aware of the fraud That was being played on me I made 3 deposits in 3 accounts all totaling over ten thousand dollars and the say that there was no deposits ever made a lie XXXX said that they may close my account due to an old account that I owe {$250.00} because of a charge off account # XXXX was closed on XX/XX/2015 that 's why they had to closed my accounts which I never had access to. Other than atm deposits she called a number which is XXXX I called the same number it said that was no account which I was lied to about a charge off for {$250.00} she got caught in a lie and then called the police stating she did because I did n't have a shirt on which cameras prove I did have a shirt on police come and threatened me that the owner said if I comeback to lock me up for trespassing. When they wanted me to make a deposit in that branch to get online access to my account this was a scam from day one I feel that my account and personal information has been compromise by TD bank ceo/staff I have a lot of identity theft being used in my name I 'm reporting fraud and identity theft I was forced to sign papers that breach of contract please help I 've tried countless times to resolve this matter please help me resolve this matter city of XXXX police threatened me XXXX and partner.
I have been trying to resolve this problem with this cvollection agency with no aval. The original creditor charged the wrong insurance company, I spoke to them and gave him again the correct health insurance to be paid. I sent to XXXX   copy of my card insurance to get paid but yet still reporting wrong information on my credit report. 

They just ignored my request ( XXXX ) and didn't even call their client to see if they got paid already. like I told you before My insurance will pay this bill, the hospital billed the wrong insurance company.
On XXXX/XXXX/16, I received a call from Direct Recovery Service in reference to a debt. In addition to my phone call my mother received a call and someone that does not have any information about the loan nor was named as references on the loan was contacted. I immediately contacted DRS and asked who else they contacted. The gentleman told me the same thing happened to him. I again asked who else he contacted and he said he did not have that information, he only autodials. I then asked which numbers he had, which were my daughter 's and my mother 's. I continued to press the gentleman for more details on the numbers he called in reference to my debt, yet he continued to say he can not find the numbers he called. I finally got the number for his parent company and confirmed the validity of the debt. My complaint is that DRS has obtained phone numbers and communicated to the third party that do not have a need to know of the debt in question. I am not denying that a debt is owed ; however, I believe DRS actions are not consistent with the Fair Debt Collection Practices Act.
this company says it is a collection agency I have never done business with this company no ever had a contract are anything with them they are harassing me I would like for them to leave me alone this company say I owe them XXXX yet I have never heard of them and they also that they are a debt collection agency I have never done any business what so ever with this company and have never heard of them I believe they are an illegal company its against the law to put a collection on a persons account with out contacting them 30 days prior and in do n't no this place are who ever they say they are remove this from my credit report all 3 major reporting agency. called no answer phone ring then go busy.
We had our mortgage through XXXX XXXX, but on XXXX XXXX XXXX they sold our account to Homebridge Financial. XXXX, before selling the account, paid their portion of the taxes due to our county property taxes, and forwarded the remaining bill to Homebridge. Homebridge was due to pay the remainder by XXXX XXXX XXXX, they did not pay. We are military and live XXXX states away and received notification from our county XXXX XXXX XXXX that the taxes have not been paid. We immediately contacted XXXX, and I was advised by the agent to fax over the delinquent notice, and they will contact and make payment arrangements with the tax commissioner office within 3 days. On XXXX XXXX they had not yet done so and I was informed by tax commissioner office that Lien would be placed the following day XXXX XXXX XXXX. Homebridge continues to say they are trying to verify parcel numbers and verify amounts. I provided to them a direct number to tax commissioners office. I also called tax commissioner office and verified that homebridge has not contacted them and no arrangements have been made along with any payment.
I have requested that you intervene on my behalf in dispute of several loan modification denials from Wells Fargo since XX/XX/2013. Related case numbers are XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have attempted on at least XXXX different occasions to have my Pick-A-Payment loan modified. Now with the XXXX XXXX  article, " Wells Fargo says hundreds of customers lost homes after computer glitch '', by XXXX XXXX, I would like for my previous request ( s ) for a loan modification to be reviewed. Another article, " Wells Fargo faces tax credit probes, new problems with mortgage borrowers '' by XXXX, stated, 'an error in Wells Fargos underwriting tool  improperly excluded 625 borrowers, 400 of whom eventually had their homes foreclosed upon '. I feel confident that I was one of the 626 borrowers, since Wells Fargo could never give a logical explanation as to why my modification was denied.
OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien. 
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.
Anything on my credit since the loan Fromm XXXX and the credit card from Wells Fargo is all fraudulent. None of it should be on there.
XXXX has sent a bill that I have disputed as identity theft to another collection agency. I would like XXXX to close the bill out completely as identity theft and quit out sourcing the loan.
Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment
XXXX XXXX sold my mortgage to fifth third bank some months ago. On XX/XX/XXXX, I received a message from my home owners insurance company saying my policy had expired on XX/XX/XXXX due to non-payment. Now, I had a 10 % late fee on my renewal. I called my mortgage company to address the issue, but they would not discuss the problem with me saying I had to talk to their insurance department. This " insurance department '' out to be a third party company unaffiliated with the lender. The Third Party Insurance Department also could not help me saying they had only my policy number and all the accounts had just been handed to them. They told be they had to call my insurance company, put me on hold for 25 min and then disconnected the call. Three more phone calls to the bank ensued, as well as two more to the Third Party Insurance Department and an online message to the bank. 

This bank needs to pay my home-owners policy premium from my escrow account and to pay the late fee from some other source.
Experian permanently blocked and deleted XXXX XXXX XXXX  from reporting on my credit profile on XX/XX/ but onXX/XX/XXXX they reinserted the account on my credit report. The account is a fraudulent account in the amount of {$25000.00}! Per FCRA section 611 Experian has to notify me within 5 business days after the reinsertion it is now XX/XX/XXXX and I have yet to receive a certified letter regarding why the account was reinserted. I have filed a complaint with the attorneys general office so I have exhausted all of my resources trying to resolve this issue! The only option I have left since Experian is illegally reporting inaccurate information is to file a lawsuit against Experian regarding illegally reporting fraudulent accounts!
At XXXX on theXX/XX/XXXX I went into the Bank of America Financial Centra  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 

The reason for my visit was to withdraw cash out of the ATM machine inside the Branch. 

My issue is that I tried to withdraw {$200.00} cash out of my checking account, the process went through, however no cash came out of the machine. Because of this, I further withdrew {$100.00} because I still needed cash and I received the {$100.00} full amount. 

I ended up looking at my mobile banking and I realized the {$200.00} was in fact taken out of my account. 

I visited the Branch the next day on theXX/XX/XXXX to inform them of this mistake. They ended up lodging an claim for me. This claim was rejected upon there review. I appealed this and asked for access of the video footage, they said they couldn't share it with me and said they'd get back to me. 

I asked the to see if I withdraw cash out twice, they said they'd get back to me, no response until they told me my appeal is rejected. 

I'm frustrated because a few days after this original issue, I had an automated direct deposit taken out of my checking account and I was charged an overdrawn fee of {$35.00}, but if I had that extra {$200.00} I was stolen from BOA, it would of covered it.
On XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XXXX at XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for XXXX XXXX credit card? I currently have XXXX credit cards from XXXX XXXX with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement in XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for XXXX XXXX and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if XXXX XXXX had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of XXXX XXXX kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the XXXX of the month and have bills to pay and now no money to pay them. 

XXXX XXXX