WillisBack/dataset-financial-user-claim huggingface dataset:
We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.
XXXX XXXX XXXX has placed a collection account on my XXXX, XXXX and XXXX credit bureaus.It is  account number XXXX. 
They say the original creditor is XXXX.I .have never ordered a XXXX card, never charged on a XXXX account, ever ; the account was opened fraudulently.It is impossible to debt validate because they have no record of me or my signature ordering anything, yet within 24 hours of an XXXX   dispute, XXXX XXXX verified and XXXX won't allow another dispute saying it's frivolous The damaging account must be removed immediately from my bureau reports. 
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I am an XXXX XXXX XXXX in the XXXX and stationed at XXXX XXXX, KY. I am writing in regards to my rental property at XXXX XXXX XXXX XXXX , XXXX XXXX, GA. 

I purchased the home with a VA loan and had a mortgage agreement with XXXX XXXX XXXX and XXXX ( " XXXX '' ). I arranged for payments to be made automatically from an account, and since buying the home have always been on time with payments with automatic payment system with XXXX. 

Apparently my mortgage was sole to Freedome Mortgage Corporation ( " Freedom '' ). I was unaware of the sale because I never received any type of notice from XXXX or Freedom of the change of companies. Not an email, phone call, or mailing letter. 

Because I was unaware of the sale of the different mortgage and another company was now managing the account, I continued making payments, form the automatic draft account to XXXX. As a result, Freedom apparently believed I was delinquent in making payments on my mortgage. Any notice from Freedom sent were never received by me and in fact, when notified of the foreclosure form my property managing team, I called Freedom and the representative clearly admitted to me on a recored line that all correspondence was returned to then unopened and marked " Return to Sender ''. Accordingly, I had no notice as to the status of my mortgage of Freedoms intentions. 

I received this information when my property management team, XXXX XXXX XXXX,  forwarded me a notice from XXXX XXXX XXXX ( " XXXX  '' ) apparently posted on the door of the property in XXXX XXXX. The noticed stated the property has been foreclosed and XXXX is now the owner. My property was taken by Freedom and conveyed to XXXX all without my knowledge. I have made multiple attempts to contact Freedom but as this date have not been able to resolve any assistance from Freedom or their Attorney team. 

I clearly failed to received any notice form the sale of the mortgage to Freedom, notice from Freedom of any alleged delinquency any foreclosure and any sale of my property. I am outside of the are due to my XXXX military status, see attached orders. I have suffered significant damages from this. I am also requesting a copy of all transactions made by Freedom since I was never notified and XXXX had my correct address. 

In summary, the opinion that foreclosed my property and selling the property without providing proper notice under these circumstances violated my rights under state and federal law. In attempt to settle this I will accept the following : - return title of met property by deed - reinstatement of the terms of my mortgage agreement - contact any and all credit reporting agencies to which any of your representative may have made a report on this matters and correcting the information provided to those agencies including but not limited tom my property not being foreclosed upon and mortgage account in good standing.
A few weeks ago I went into XXXXto buy some products for the holidays. It was the time when i fist decided to start my credit and I only knew so little about it. So I went in around XX/XX/ to purchase some products, the sales representative didn't seem like she knew how to ring the cash register up ( I believe she was a new employee with minimal experience ) and I bought some makeup. I paid {$30.00} for a products I went in a few days later to refund and make a purchase for a cheaper version of the product I had previously paid for the day I went back was XX/XX/XXXX. I even waited a few days later for it to show up on my account. The refund should have been {$10.00} dollars. That same day I paid extra {$9.00} for a separate product so I initially thought the {$10.00} they would have returned to me would show up a few days later it did not. So the refund never showed up on my account after i had paid it. My resolution at first was to ask my credit card company ( Capital One ) to help me get a refund. The mistake that was made is they did not refund me for the right amount. So my credit card company charged me for the full amount. When my card charged me for that I had already exceeded my limit and my plan was to pay everything in payments and on time, remember this was my first month owning a credit card. My commitment was to pay everything on time so it wont affect my score. Here is the thing, since I had spent all the money on my card I did not plan on spending anymore since it wouldn't be possible to go over my limit. XXXX 's ended up re billing my card and since I exceeded my card limit ( {$300.00} ) it brought my balance to $ XXXX I don't understand why but it devastated my score very bad and now my score is XXXX. Now my score is very poor and I can not apply for other cards to improve my performance or help me get ahead in life with a good credit resume. I am desperate for help. I do not want to start my credit out like this. Despite the mistakes done I have not had any bad history with my credit and since I am fairly new and wanting to commit to building good credit I don't think I deserve this. I don't think when they re billed me that it wold affect my score. So far I have been making payments and least once or twice a week to see if it can help my score but they way they took the money out affected my future because I was aiming for the best now this unnecessary road block brought it down
They are reporting the date of last activity incorrectly and trying to make this look like a recent debt. This collection is over 2 or 3 years old.
I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter.
Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( XXXX ) XXXX XXXX
Transunion is still showing incorrect name related to me. I am XXXX XXXX XXXX and they show either XXXX XXXX XXXX and they also show XXXX XXXX XXXX.
I received a call from this collection agency on XXXX/XXXX/XXXX concerning my debt with XXXX XXXX XXXX. The debt totaled {$1400.00}. I made a down payment on XXXX/XXXX/XXXX of {$140.00} and have been making payments of {$86.00} until this month when I stopped. Reason I stopped I called them a couple of weeks ago and asked for early payoff and they would not even discuss it. When the arrangement to make payments was made the contact person coerced me into making the arrangements by threatening me saying, '' You had better not miss a payment ''. I took this as a threat to take legal action if I missed a payment. According to the attached state of Texas statue this is totally against the statue.
I contacted XXXX in an application for loan modification. Iwas supplied with inaccurate telephone numbers, wrong address, and apoint of contact person who had no idea how I received their telephonenumber. In my case, I feel that these hurdles were placed to discourageme from trying to receive assistance with my mortgage. Their motto is, '' We 're here to help. '' I am still trying to work with my Lender and Servicer toreview my application for a FHA Short Refinance Loan.
I used to work with coinbase to buy bitcoins and till now everything worked fine. 
1-2 weeks ago when bitcoin price crashed a bit i wanted to buy some bitcoins fast. 

so like every time i logged in and ordered some bitcoins. 
after the purchase i was asked to verify to speed things up else they would hold the coins for 3 days. Which was strange because i already was verified! 
i tried to verify again ( they asked for driver license ) but on the mobile it did not work and on my pc i have no webcam.. after some tries i got a error message and was logged out. Now i cant login because my account got locked. 

i already tried to contact their support of course but on phone i gave up cause no one i answered for over 30 minutes and via email i got an automated email they are " looking '' at it.. 

i ordered the bitcoins ( worth XXXX ) on XXXX 2017 and so i got not a single response till now! 
i just want my account to be unlocked and send the bitcoins to my wallet..
My Equifax is stating " Non Reporting '' status. I believe this is why my FICO score for Equifax is showing " not available ". I have paid for the service for credit monitoring but Equifax is not reporting I need this to be changed to reporting and I DEMAND PROOF THAT IT HAS BEEN DONE IN WRITING. I have filed a complaint with the Attorney General Office since Equifax keeps giving me the run around
I received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. 

They also contacted my ex-wife of 20 years with the same notification number and threat. 

I have no idea what this is regarding and have found other, similar complaints regarding this phone number.
The date is XX/XX/2018. After cashing my check of {$3000.00} from a teller in a TD Bank in New York ( XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ), which I do not have an account with, I immediately tried to make a cash deposit in the same bank branch 's ATM, using a debit card from my own bank, XXXX XXXX. The cash deposit is {$2900.00}, because a {$7.00} fee was generated when I cashed the check ; the last four digits of the debit card number is XXXX. I put the XXXX debit card into the machine, no warning ; I put in the cash, still nothing ; and before I knew it, the ATM had counted my money and eaten it along with my card. 

I have made numerous attempts to contact TD Bank, but they refuse to give me any information about or support me with ATM Settlement because I am " not their customer. '' Their only suggestion is that I contact my own bank, XXXX, to file a dispute and get this solved in the back offices. I tried this, but XXXX was also avoiding the responsibility by denying my initial application for investigation, although later they have reopened the case under my request. Till tonight there is no update from either bank. 

I have the right to know where my money goes and reclaim it. TD Bank has no right to keep the money or refuse cooperation.
My student loan is with Navient, although I pay monthly at an 8.25 % interest rate, the principal never comes down, I 've been out of college since 1999, have been steered to go into forbearance at one time and still owe the same amount as 18 years ago!
Over & over my clients are reporting they are unable to pay PayPal invoices I send to them. The ones that call me, when I have called PayPal with the client on the phone, report that PayPal is telling us that their " internal security module '' is blocking my ability to get paid & my clients ' ability to hire me. Most of these clients never call me to tell me that they are having these problems with PayPal & I simply never hear back from them & lose the business. PayPal is therefore operating to destroy my law firm business w these secretive, arbitrary denials of my good clients with good money & their ability to do business with my law firm. I want to know what exactly is contained in these " internal security modules '' & why they are picking on me & my business & not others. Even worse, PayPal never notifies me when a potential client tries to pay so that I can contact them to obtain some alternate form of payment. Or PayPal makes them open up a PayPal acct which is overly intrusive.
I h ave 6 hard inqui rers which I do n't authorize. Please start investigation to find a way to delete the form my credit bureau.      1.    Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .   Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX .     Creditor Contact Details   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
Discover Personal Loans have called me multiple times before XXXX and after XXXX. They are calling me from XXXX and have been calling for over a month. I have been called at my home and work on multiple occasions to the point that it is extremely frequent and repeated.
They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.
Hi there. 
My complaint is regarding Bank of America ( BoA ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that BoA had enrolled in an " Advantage Program '' which gave me " various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while BoA investigated the matter. I also requested that the charges be reversed and that BoA remove me from any " Program '' which resulted in my being charged monthly for " benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which BoA had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) " program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the " enrollment '' date, it would be up to me to then take a further step of visiting a BoA branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call.
I attempted to close my accounts with fifth third XX/XX/2018. My account was not closed, and I have since been hit with two overdraft fees, and have an outstanding balance of {$290.00} from a recurring payment tied to the account, plus the two {$37.00} overdraftt fees. The account is still not closed. Fifth Third Senior Vice Preisdent XXXX XXXX sent me a lettter threatening collections if I did nott pay, and provided contactt information and hours. I have tried calling within tthese time windows on multiple different times, on multtiple different days, only to recieve an auttorecorded message saying that fifth third is closed. The call window is XXXX M-F, XXXX Sa-Su. I placed multiple calls at both XXXX Saturday and XXXX Friday to no avail. 

This issue can not be resolved if the contact information provided is not functional. I have phone logs to back up the call placement times. I also have withdrawal records, and I'm sure the bank has video evidence of me entering and asking to close my account XX/XX/XXXX.
Equifax continues to fail to look into this matter of Fraudulent inquiries on my equifax credit report, i have tried numerous times to get them to look into these fraudulent inquiries and have them removed from my Equifax report. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
For over a month, I have been getting calls from a XXXX XXXX XXXX XXXX XXXX number at work. The first time I picked up the phone but there was no answer. Then they called two more times that first week. Being annoyed, I took down the number and did a search on it. Various call checking sites had the number listed as spam ( i.e. XXXX, XXXX, XXXX, etc. ). They also gave the company name : Franklin Collection Services which I did not have before since there was no answer on the line nor did they ever leave a message. For a while, I ignored the calls as the call checking sites advised but the calls kept coming. It was then that I started reporting the numbers to the FTC. After reporting four with the XXXX prefix, I got another one starting with XXXX just last week ( X/X/17 ). I have also filed a complaint with my Attorney General ( X/X/17 ).
The Wells Fargo Bank is deducting money from my account and not reporting it properly on my bank statement. This has happen on XXXX different occasion. Their is a mysterious disappearance of money from my account. I filed several complaint nothing has been done on their behalf to refund my money.
XXXX keeps repeatedly calling me. It is a recorded message they leave on my machine saying it is an attempt to collect a debt, however I do n't owe anything. When i have tried to pick up to speak to them, there is never anyone there. The last calls were on XX/XX/XXXX at XXXX, and XXXX and XXXX XXXX and on XX/XX/XXXX at XXXX and XXXX.
XXXX/XXXX/XXXX I was not notified by a friend to log in at Equifax to find out if I was XXXX of the people whose information was hacked at Equifax. After logging in last night at Equifax and learning my information was compromised I spent the whole day on the phone and online trying to get information and get a credit freeze. First I tried the phone- hours and no getting through. Online at Equifax there was a continuous loop of going nowhere. The online questions about my past phone numbers that I could not remember blocked me out from freezing it online at XXXX. I was only able to freeze my credit with XXXX XXXX. XXXX response if non-existent. I have spent the entire day so far trying to freeze my credit. Why is this all on the consumer? The stress of having all my information hacked with no help is infuriating!!!!!
Navy federal keeps charging me outrageous overdraft fees so much that I had to switch banks and they keep charging me I am now overdrawn over 1000 I need some type of compensation
Focus Receivables Management, XXXX, GA XXXX Phone Number XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX This company has reported a false/negative report on my credit report - a XXXX XXXX XXXX bill in the amount of {$57.00}. How do I get this false report off of my credit report? Can you help?
I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX  at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Equifax continues to delete all my current information off of my credit report. This is ridiculous. This has been an ongoing problem. I sent them a dispute a while ago explaining this. And now on top of deleting current information. They also readded an old file that had been removed. A collection account from XXXX. This had been removed over 1 to 2 years ago. And the collection from XXXX was deleted by the company..please removed all of this errorenous information from my credit file. 
1. XXXX XXXX-correct 2. XXXX XXXX-correct informaiton needed to be added a back 1. XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX