WillisBack/dataset-financial-user-claim huggingface dataset:
In 2010 I was a victim of identity fraud by an estranged spouse, now ex-spouse. I was a victim of domestic violence. I filed a police report and filed a request with the three Credit Bureaus to have a lifetime Security Freeze placed in my credit files. In the last 90 days I have had need to have an Experian report pulled to obtain housing and, most recently, to obtain employment. When the inquiry was made to obtain housing I was contacted by the landlord and told I needed to have Experian lift the freeze temporarily to get approval. I called Experian to make the request but was told that I would be charged to lift the " free lifetime '' freeze. I escalated my request but was told by offshore people that unless I paid the fee my freeze would not be lifted. To move forward with my housing application I had no other option but pay the extortion. This week I was offered a job. Today I received a call from the employer saying that I needed to have the freeze lifted by Experian to complete my background check. I now face having to pay the same extortion to Experian so that I can obtain employment. How can Experian extort money from those who were given a " free '' freeze because of circumstances dictated by law? This should be illegal and it is immoral. Please help me and many others facing this same scenario by making Experian comply with the free lift based on the laws.
I have a balance on my XXXX XXXX American Express card of approximately {$10000.00}. I have been late on payment in the past, but not severely late. I now find out that they are charging me 29.9 % interest on my remaining balance. That rate far exceeds the criminal usury rate in New York as provided in XXXX XXXX XXXX XXXX. 

I called XXXX in the hope that they would agree to some reasonable rate of interest until I could pay of the balance. They declined to do so.
Transunion had a glitch on XXXX, 2016 and due to this a total of XXXX inquires are now back on my credit and has lowered my score by XXXX points. I called to speak with the special handling department at XXXX to advise and I was told that yes there was a issue ; but they are not able to HELP., Are you serious? Come to find out, the outsource company did not transfer me, they put me on hold and got someone else from the same department.
Purchased a new vehicle and upon going through the process of getting financed my information was submitted to  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , CT  XXXX  and in return I received a declined letter from a SageStream , LLC who states  my credit score is substantially lower than what it actually is.
Midland Funding is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with XXXX Bank, went into default in XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or Midland Funding LLC. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, XXXX Bank is off credit completely as the legal timeline limit has come and gone. Midland Funding LLC is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction Midland Funding LLC for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
My personal information was released due to the improper release of information from Equifax servers. That information included my name, Social Security number, birth date, addresses, drivers license number, and might include credit card numbers. I have requested Equifax put a fraud alert on my account.
My name is being smelled out incorrect on my credit report several times. XXXX XXXX is billing me for medical bills and they where paid by my insurance and they are on my credit report and the credit reporting company will not remove them and also the doctor they are billing for had my insurance information on file and still billing and placed the bill in collections instead of billing my insurance company whom i spoke to and they informed me the company never billed them.
I got bill from XXXX XXXX XXXX XXXX and I paid the bill on XXXX/XXXX/XXXX but my paid account was send to Hunter Warfield collection for the same bill.
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with Transunion, XXXX and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
I took out a loan from Spotloan in the amount of {$300.00}. On their website it says that it 's cheaper than doing a payday loan so I thought oh that 's great and then signed up. A month later when I was expected to pay, I asked how much it would be with the interest and they told me {$450.00}. {$150.00} in interest for a month??? There 's no way I can pay that. I 'm on a limited income. That {$150.00} would mean I ca n't pay for electricity or groceries for my family. I feel like this is very misleading of them to say it 's cheaper than a payday loan. A payday loan would 've charged me {$45.00}, not {$150.00}. So I explained to the company, both by email and on the phone that I could n't pay it and I was n't sure what the next step was. Since then I 've gotten phone calls at least twice a day and they keep trying to withdraw money from my bank account which creates {$32.00} fees for me each time.
This account was closed and included in my 2009 bankruptcy. Show a XXXX balance and paid as agreed but still showing open with Transunion. I need this account to be fixed as closed. This is hurting my ratio of expensive with an extra balance who is incorrect.
I have a hard inquiry in my account from XXXX and I am not aware what this is from. This provide has no contact information reported.
I am a XXXX in Florida. I have been with the rate reduction program for the past few years, due to my income as a XXXX. Every year I give a financial statement to reenroll back in the program. This year they said I am no longer eligible for that program or any other plan and have demanded I pay the full amount monthly on my loans. That is over half of what I make a paycheck. I have never been late in making a payment with them.
since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.
I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped.
I have a a unverified account from CHOICE RECOVERY INC #  XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I believe this is a HIPPAAct violation as well.I request that CHOICE RECOVERY INC # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I entered a mortgage loan agreement with Roundpoint Mortgage for a short-term loan on an investment property located @ XXXX XXXX XXXX in XXXX, Ga. When the loan became due, the market did not support selling the property, so i sought a loan modification. Surprisingly, this process took well over eighteen ( 18 ) months, with the lender CONSTANTLY requesting updates on paperwork, e.g. my income, account balances, etc. When the modification was finally offered, it was not based on the amount i had owed at the time the loan expired, but included the months of payments during which the loan had been in abeyance. [ Please note that i had continued for the first 6 or 7 months of the process to send my former monthly payment amount ( in excess of {$1200.00} ), but Roundpoint always sent back my payments, saying they would only accept the full loan balance. The result was that at the time of the Modification Offer, a huge amount had been added to the principal, making my monthly payments HIGHER THAN THEY HAD BEEN BEFORE (! ), and i clearly was not able to make these payments. 
At this point i offered to sign the deed to the property to Roundpoint, but they refused. They said I had to try to short sell the property. Meanwhile, they started FORECLOSURE proceedings. I retained a realtor, and got an offer for the property, but Roundpoint turned in down, stating that the offer must be for {$170000.00} or more. I put the property back on the market, and my realtor obtained a signed contract for the requested amount. Meanwhile, the Buyer relocated to the area of the home, pending CLOSING. [ Please note that foreclosure proceedings ( i believe not in good faith ) had been re-instated ]. THREE DAYS before the scheduled closing WITH THE OFFERED AMOUNT THAT ROUNDPOINT HAD REQUESTED, Roundpoint proceeded with foreclosure!!! This is despite the fact that all along i had agreed to sign the deed to the property over to Roundpoint, & only went through the Short Sale at their request. 
Their foreclosure disrupted the Buyer, cost my Realtor her anticipated commission, and left me with a credit report reflecting a foreclosure which has worked to my severe detriment since the time the foreclosure was entered XX/XX/2016. 
I would like Roundpoint to be compelled to delete the foreclosure. I would like my credit report to show a " Deed-in-lieu '' or some other disposition of this transaction that does not have the significant & severe impact on my credit report & my credit score, I will greatly appreciate any help you can give.
I am XXXX XXXX XXXX XXXX, Victim Identification Number XXXX within the US Department of Justice Victim Notification System. My current bank is exhibiting the same behaviour as my previous bank that led to the criminal cases justifying the the assignment of my current victim identification number. It is possible that the culprits in the previous Department of Justice cases have started again against my banking accounts and identity. My current complaint is as follows : XXXX XXXX XXXX was grossly negligent in causing a 30 day late payment on my First Hawaiian Auto loan account. I have two direct deposit incomes into my XXXX XXXX XXXX checking account. One direct deposit of {$3400.00} is deposited on the XXXX day of each month. The second direct deposit of $ 1,700.00+ is deposited on the XXXX day of each month. I established automatic payment transfer from my First Hawaiian checking account to pay my XXXX XXXX XXXX auto loan account. For the last 16 months, the bank has paid the auto loan from my checking account as agreed. On the XX/XX/XXXX, my direct deposit of {$3400.00} entered my XXXX XXXX XXXX checking account. The bank subsequently debited my checking {$520.00} and paid my XXXX XXXX XXXX auto loan as I have previously arranged. The bank has done so for the last 16 months on the first day of each month. I departed my residence on the Island of XXXX to visit family members living abroad on XX/XX/XXXX. Upon returning to my residence on the island of XXXX on or about the XX/XX/XXXX, I discovered the bank negligently failed to transfer {$520.00} from my checking account to pay the auto loan. Although my {$3400.00} direct deposit entered my checking account on the XX/XX/XXXX, the bank negligently failed to make the automatic payment from checking to the auto loan. I then withdrew {$1000.00} and paid the Auto loan twice. One {$500.00} payment for the month of XX/XX/XXXX and the second {$500.00} payment for the month of XX/XX/XXXX. Although the bank personnel apologized for the oversight, the bank still damaged my credit rating by placing a 30 day late payment on my XXXX and XXXX  credit reports. I request immediate assistance at reversing the banks unjust intentional negligence and a immediate restoration of my good payment record on my auto loan. I believe the bank to have acted in reprisal against me because of a complaint I filed to the banks headquarters reference the banks unfair pattern and practice. Please assist at preventing unfair pattern and practice conducted at XXXX XXXX XXXX. 

I further demand that XXXX XXXX XXXX  correct the status of the payoff of my XXXX XXXX XXXX mileage plus credit card. The card was paid in full via a consolidation loan with XXXX XXXX XXXX. XXXX XXXX XXXX has reported fraudulent information to XXXX and XXXX claiming the credit card to have been closed by the consumer with a balance due. The credit card was paid in full via a consolidation loan with XXXX XXXX XXXX. There should not be a balance due on the credit card. The banks unfair pattern and practice coupled with its blatant fraud upon my credit report has damaged my credit rating.
On XXXX XXXX I opened checking and savings accounts with Regions bank and I used their online feature to do them both. I deposited {$50.00} in each account as an opening deposit. 

I wanted to transfer money from my old bank and called Regions customer service to ask if I could write a check to myself and use the mobile deposit app on my tablet to deposit it in my new Regions checking account. I was told that I could and that people do it all the time. During the deposit process you are presented with 3 funds availability options and I picked the overnight option. The following morning, XXXX XXXX I checked my account and saw that the deposit had been made. On XXXX XXXX they reversed the deposit and took the money out of my account. I called Regions customer service and during the course of about 3 hours I spoke to at least a half-dozen Regions employees including a gentleman named XXXX who stated that he was an online banking supervisor. 

I explained to him that the money I deposited was all the money I had to make it through the rest of the month, that I was a XXXX Veteran, and that my caregiver was off until after XXXX so I had no way to get to a branch. He stated that there is nothing anyone can do unless I go into a branch. He also told me that I had overdraft protection so if I needed groceries I could use my check card and the overdraft protection would cover it. I asked him about the fees and he said I could probably get them reversed. 

I also spoke to an employee who stated his name was XXXX in the local branch and explained to him that I had no way of getting into the branch, that I 'm a XXXX Veteran, on oxygen 24/7 and asked him if there is n't anything that could be done. He stated the only way they could remove the hold is if I came into the branch and talked to the branch manager who had the authority to remove the hold that was placed on my deposited funds. 

XXXX, and other Regions employees told me that the hold was on until the XXXX of XXXX. But on XXXX XXXX they changed the deposit to pending again. This had really gotten my accounts all messed up at both the old and new banks. Because I had my VA XXXX benefits and XXXX direct deposits changed to Regions it is too late to change them back to the old bank and get my money. 

Then yesterday, XXXX XXXX, I received the attached letter which stated that the reason my deposit was put on hold was because they had " confidential information '' which made them believe the check that I deposited would n't be paid. How is that acceptable that a bank can use confidential information to make a deleterious action against a customer. 

The whole experience has been very, very disturbing to me and I am just stunned that Regions would n't take proactive steps to help me.
Complaint against Experian. On XXXX XXXX, 2016, I ordered a one-time report for {$4.00}, which was charged to my credit card. I recently became aware that they have been charging me {$19.00} ( recently increased to {$24.00} ) monthly. I did not request, approve or authorize these charges. I feel this company is illegally charging customers for this monthly service after they have the customer 's credit card information. I received no benefit from this service and did n't even know I had it. I only became aware after going line-by-line reviewing credit card statements. I called Experian and cancelled ; therefore, it is not cancelled. I am ; however, left with the feeling I have been robbed. And I have been robbed. I am certain I did not check any boxes or do anything to make them think I wanted or approved this service. That same day in exactly the same manner, I ordered a one-time report from XXXX. XXXX only charged me once for the XXXX report.
In XXXX XXXX, a collection attorney ( Beard & Lane Attorneys At Law ) has charged my HOA account {$2700.00} for attorney fees when I was already in a payment agreement with the XXXX XXXX XXXX ( XXXX XXXX ) that I would make my own siding repairs at XXXX XXXX XXXX XXXX in exchange for a HOA Credit. I also paid for siding repairs and some credits were disallowed for {$2800.00} ( see attached invoices ) for {$18000.00}, while I was only credited {$15000.00}. In addition, I was charged {$1500.00} in late fees while I was making the agreed repairs. 

In addition, they have violated 3 FDCPA laws to include : 1. The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ). However XXXX XXXX has added {$2700.00} in legal fees ( see attachment ) and {$1500.00} in late fees ( see attachment ) to my HOA Fees. Beard & Lane Attorneys are applying my XXXX fees and credits to pay their legal fees and is threatening foreclosure in 2 weeks ( see attached ). 
2. They have Ignored my written request to verify the debt and continue to collect even though I made the request within 30 days of the notice [ 15 USC 1692g ] 809 ( b ). I sent a Validation of Debt letter XXXX/XXXX/XXXX ( certified mail ) and on XXXX/XXXX/XXXX, I was contacted by Beard & Lane to cash my XXXX HOA fees, which will be applied to their legal fees. I requested an updated statement with XXXX payments, which I have not received yet. 
3. I made a written request for the collector to cease communication ( see attached validation of debt letter ), but they emailed me on XXXX/XXXX/XXXX to ask me if they could cash my checks I sent for XXXX HOA. They can only contact me one more time, via mail to let me know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c )
Great Lakes Education loan transferred my student lone to XXXX. However, XXXX states the balance is over {$12000.00} even after I have made payments to Great Lakes. I have contacted XXXX on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received two loans from Great Lakes Education loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( XXXX ) states there's nothing they can do to call Great Lakes. I call Great Lakes they tell me to call XXXX. However, I did receive a detailed payment history from Great Lakes ( the original collection agency ). When I spoke with someone at XXXX ( multiple times ) and told them that I had it and could send it over they ( XXXX ) still stated to call Great Lakes, who told me call XXXX again. Not only is XXXX trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or  both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.