WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint pertains to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, which resulted in the temporary closure of my IRRA account for an unintended period of time, along with missed opportunity for trading during the same time frame. On XX/XX/XXXX, I authorized a {$41000.00} disbursement from my IRRA to serve as a form of down payment for a home my wife and I purchased. I was advised by the assisting representative as long as the funds were deposited back in my IRRA within 60 days, there would be no tax implications. This is the first round of inaccurate information provided to me, since the same representative did not mention I would receive a XXXX from the disbursement. Multiple conversations occurred between the first call inquiry I made through the actual disbursement, and while I was reminded each time of the 60 day period to deposit the funds with no tax implications, I was never told the transaction would result in the receipt of a XXXX. Secondly, I was not told my IRRA was technically closed as a result of the amount of the disbursement ( more on this aspect later ). The {$41000.00} were deposited back into my IRRA on XX/XX/XXXX. The representative who called me to perform the transaction did not advise that my account was still technically closed, and did not communicate any next steps to reopen it. It was my understanding the account was active, and I left that call believing I had fulfilled the necessary steps to have the account resume trading. Basically, after the funds were redeposited, the call concluded without any mention the IRRA was still inactive, and that more action was required. I phoned Bank of America XXXX XXXX in late XX/XX/XXXX, some time during the week of the XX/XX/XXXX, to inquire as to why my IRRA account balance had not shown any activity. It was on that phone call I discovered more steps were needed to reopen my IRRA, which I proceeded to take action on in the days that followed. I also raised concerns about having received the XXXX form. I was told I would receive a tax form from Bank of America XXXX XXXX around XX/XX/XXXX, which would be needed when finalizing my yearly income tax filing. I phoned in around XX/XX/XXXX to follow up on the receipt of this tax document, and learned the document I was supposed to receive would not be sent until XX/XX/XXXX, not XX/XX/XXXX. This is yet another instance of inaccurate information that was supplied on prior calls. Because I was under the impression I would receive this tax document in XX/XX/XXXX, after the XX/XX/XXXX tax filing deadline, I submitted an extension for my XX/XX/XXXX tax filing, which was something I could have avoided had I been given accurate information the first time.
Company continues to try to collect a debt that was canceled by the original creditor and removed from my credit report. The debt is from XXXX but the company continues to report to the credit bureaus that this was a new account open in XXXX. Please have pinnacle provide proof of what they are reporting to the credit reporting agencies. Also I 'm working with officials in the ct consumer protection and ct judicial system to summons pinnacle to court and I 'm am looking for a legal contact number for the company. I was forwarded to a bogus lawyer who sounded like he just woke up and stated he did not work for the company. The company has over several thousand complaints for fraud and non compliance with the federal credit reporting act.
XX/XX/2018-A merchant advise ( XXXX Content ) that their company could conduct fine line editing and proofreading services. I was told to pay {$220.00} and to give them three days. The three days turned out to be a forgotten one month with lost documents which, the company states never received but, to the finding the company did not understand how to do proofreading or editing as suggested. The company also stated will do proofreading editing within 3days and have a 100 % customer satisfaction. I company lead me on for a month and could not do the job. I called paypal to dispute the transaction and paypal said I have a 100 % no liability and have knowledge that I went to XXXX  ( aka -XXXX XXXX XXXX ) company to get the document done. Paypal then on XX/XX/2018 after XXXX XXXX gave an inaccurate response stating it was a thesis editing and proofreading of over 6000 words which, they took my work including the reference and illegally tried to claim as their own. Paypal gave send XXXX  a letter stating XXXX XXXX was valid which, It was against federal law and their own policy to help a company like XXXX to deceive people for service.Paypal has a history of allowing merchant to fraud customers without taking actions against them as it was agreed in their terms and conditions of using paypal system.Paypal transaction number is XXXX -- - Detailed info -- Case details Seller information XXXX XXXX XXXX XXXX Invoice ID XXXX Transaction amount {$220.00} Transaction ID XXXX Disputed amount {$220.00} Dispute reason Item not as described Company I went to correct the error -- Was XXXX
I had a account with Honda Financial that was paid off in XXXX of this year. Apparently there were additional amounts owed on the loan from previous late fees. My automatic payment went out for the last payment and cleared. By the time that I was able to cover the extra $ XXXX in old late fees my payment posted 3 days over the 30 day limit. They reported TWO 30 day lates that are showing on my credit and it has made it impossible to close escrow on the house that we have in escrow to buy. 
This effected our XXXX by 60+ points and is totally unfair! They have refused to do anything about this and I am hoping that you can help. 
Thank you, XXXX
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.
On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.
On XX/XX/XXXX {$500.00} disappeared somewhere between the time I transferred it from my Scottrade Brokerage account and my Scottrade Bank account. The company said that they had a technology " glitch '' that day, and after five phone calls and many hours on the phone with them the money is still missing.
I had intended to transfer {$500.00} that I had as a cash balance in my brokerage account into my Scottrade bank account. Initially the transfer went through ( from brokerage to banking ) because my cash balance of {$860.00} was more than {$500.00}. But by the end of the day the transfer was reversed and the {$500.00} disappeared from both accounts and was never returned.
The next day I successfully transferred {$350.00} from brokerage to banking, and I should have had {$510.00} as a remaining balance. My electronic statements however were apparently " fixed '' by someone, and cash balance changed to {$0.00}. A review of my statements shows the {$860.00} balance on the last day of XX/XX/XXXX suddenly changing to {$0.00} on the first day of XX/XX/XXXX.
Somehow Scottrade insists that I owe them the missing {$500.00} ( the {$12.00} is also still missing ). I traded some stocks since then, resulting in a new brokerage cash balance, and today ( XX/XX/XXXX) they illegally raided my Brokerage account and took another {$500.00} from my brokerage account to replace the money that they lost during their computer glitch/technical error.
Bottom line : they had a technical glitch and money disappeared from my account. Their bookkeeping reveals that they manually tried to cover-up their error.
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was XXXX. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them XXXX bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XXXX XXXX. Prior to that, in approximately the beginning of XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.
I disputed several things on my credit report with Equifax on XX/XX/17 I received an email from them stating it had been completed. When I tried to use the confirmation # and review the results the page kept popping up it was unable to access my results, I waited a couple days tried again same thing. I then receive another email from Equifax ( XX/XX/17 ) with a new confirmation number that my disputes are complete. I tried AGAIN to access the results and was given the same page. I called into 2 different phone numbers and both agents told me there is no dispute on my record, just a consumer statement that I made with XXXX not even Equifax. I need the dispute results from Equifax, please assist.
Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called TD Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but TD Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?
I was laid off my job of 12 years I notified my lender, Mr. Cooper, that I was struggling to make my payments and that I was receiving unemployment. I was instructed by one of the representatives to complete a loan modification online which I did when I followed they claim they had not received it. I enlisted the help of XXXX XXXX XXXX XXXX who then proceeded to provide to Mr. Cooper by email the following : Unemployment benefits, retired XXXX XXXX  benefits, Homeowners Insurance, offer letter from my new position, and my XX/XX/XXXX tax returns and my loan application. These documents were sent twice once on the XX/XX/XXXX and then again on XX/XX/XXXX. XXXX XXXX received confirmation on XX/XX/XXXX that Mr. Cooper had received the documents. Today on XX/XX/XXXX poke with a XXXX XXXX in the Loss Mitigation who claims that they don't have the documents today. The documents were also sent to XXXX XXXX @ nationstar who is the president. It appears that because in California the Homeowners Bill of Rights have reinstated as of XX/XX/XXXX, that Mr. Cooper is trying to circumvent these regulations and Dual Track by trying to foreclose.
I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
I have no morage taken out in XX/XX/2014, because I do n't have a home to take a morage out on I own a trailer house. Also I no longer have a loan out on my vehicle it was repossessed and sold by XXXX.
In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove.
( For context, this all took place between XXXX XXXX and XXXX XXXX ) I had an account with XXXX XXXX for my apartment 's wireless and cable. I tried to transfer it into my roommates name before I moved to KS that XXXX ( XXXX ). She declined to continue service with them, and I arranged for them to come pick up the box. They did not show up, despite multiple attempts. I did not have a car at the time, and my roommates were unable to get to the only store in the area ( many miles away ). I moved in XXXX and attempted again to schedule a pick-up, to which no one showed up, again. 

Fast forward several months, and XXXX attempts to collect a debt it says I owe. I refuse, since I am now 1500 miles away and availed them of numerous opportunities to pick up the box while I was living in the area, and they never showed up. After a few phone calls, I arranged with one of my roommates to ship the box to XXXX. She said she had, and as of XXXX XXXX I assumed all was well. 

Come XXXX I get a call from XXXX XXXX XXXX XXXX a collection agency, saying that my account is now in collections and that I owe over {$400.00} for the box, but that they would settle for XXXX {$300.00}. I maintained that they should have received it, and that I would check with my former roommate to follow up. As I am still 1500 miles away, I am limited in how much I can do in this situation. After several conversations with an extremely rude, pushy, and impatient collections agent, I offer to spend the XXXX break trying to determine exactly what is going on. I come to discover that my former roommate believes it was stolen. Since I can not do much in any way to manage this situation, I call XXXX after the break and attempt to reach a payment arrangement that fits within my tight budget. 

This is where my complaints come in : the collections agent I spoke with was extremely bullying, twisting my words, pressuring and pushing me, and refusing to agree to a payment arrangement I can actually afford ( I proposed $ 25-50 per paycheck, for a repayment schedule of 6-10 weeks ). They repeatedly called me while I was at work, despite my repeated requests that they not call me between the hours of XXXX XXXX and XXXX XXXX  CST. ( They were extremely indignant that I would make any such request, and became very angry. ) They demanded I pay two {$140.00} payments, the first by the end of the month ( XXXX XXXX, precisely, and the second XXXX XXXX ), which I stressed I can not afford. They began berating me and twisting my words to make it sound like I was misleading her all along. They refused to send me a bill, or allow me sufficient time ( an extra two weeks ) to make sure I have enough money set aside, and refused to give me anything in writing ( which really upset me, as I prefer to have everything in writing ). I tried to explain my situation and come to a reasonable and fair settlement, but the collection agent was extremely hostile, continued to misrepresent my words and badger me about the situation, and made me extremely uncomfortable. The entire time we were talking, they insisted that I was being unreasonable.
My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. Equifax online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of XXXX XXXX. 

I have called XXXX XXXX - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, Equifax is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

Equifax sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.
I have a Charge-off on my credit reports reported by the 3 credit bureaus ( XXXX XXXX and Transunion ) being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a Goodwill gesture to remove their reporting from my 3 credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my 3 credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my 3 credit reports from each of the XXXX credit bureaus.
This reported previously. After inquiring on line from a different company I continued to receive calls from XXXX XXXX and XXXX XXXX XXXX XXXX Co. Even though they were advised I was not interested they went ahead and puled credit anyway. Unauthorized access to my credit file resulted in their rejection of insurance which I DID NOT SEEK AND INFORMED THEM TO CEASE.