WillisBack/dataset-financial-user-claim huggingface dataset:
After XXXX yrs with previous cell phone carrier I recieved solicitation to switch to XXXX for better rates, service and product. I quickly found this all to be a lie and false on all accounts. Due to immediate billing errors my account was disconnected for none payment several times before i even recieved my first bill and maybe a few days after recieving my device. This after making deposits/payments upon initial setup and after I turned in my equipment. I immediately notice things like the inability to use the internet or navigational system while on a cellular call which i was told was a device or setup issue then later told it was a function that XXXX didnt offer after I passed the window of refund. I continue to experience billing errors because the account was setup wrong, disconnection and restoral charges from what they call system errors from improper intial disconnections, ignored payment arragements, etc. I was told that credit would be applied for the errors but pay the bill with billing errors or my account would be disconnected agein.This went on and credits were never applied and errors continue.. Finaly, I had enough of this nightmare, was instructed to return the equipment to their store. After this was done, they charge me over {$2300.00} ( including full balance for returned equipment ) and I was told that this was the accelerated balance for terminating the contract for terible service. They said its their policy and I was attached by XXXX collector and the balance was placed on my credit reports. After months of dealing with the collection agencies bulling and XXXX pretending they cant find the returned equipment-do I have the reciept from the store. I was told by some who said they were a corporate manager and he laughed at my experince and said if I wanted this to go away I should pay the bill regardless of terible experience, account billing mistakes and returned equipment charges that they also added to the false billing. He told me this was the company policies regardless of what consumer experience or reason for terminaton. The bill include over {$1200.00} cancellation charges, over {$400.00} in additional equipment charges for returned equipment almost {$700.00} in false billing and errors. I was told to pay then they will review it and maybe refund my money later or " IT WILL STAY ON YOUR CREDIT REPORT! '' and collection activity will continue. They then offered me a {$200.00} reduction if I settle and pay the remaining balance.
Bank of America ( BofA ) has represented to me a payment was received from the State of California on XX/XX/2013 applied to the XX/XX/2013 installment. However, BofA has also represented no payment received for XX/XX/XXXX and XX/XX/2013 installments and late fees assessed for these months. This information is conflicting as both can not be true. Thus, a material misrepresentation has been made and gone uncorrected on a mortgage or Deed of Trust. 

XXXX ) California Mortgage Forgiveness Debt Relief Act. 

XXXX ) Mortgage Debt Relief Act.
I just looked at my bank account & saw that a {$2.00} transaction was submitted causing an overdraft of {$36.00} because I was {$1.00} short. I was told it was a paypale transaction. I went to the bank to complain, Commerce Bank and talked to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX ( XXXX ) XXXX & got NO Where. I 'm not an OPT-IN customer. so I would rather of had the transaction rejected.
Dear CFPB, Diversified Adjustment Service sent me a letter dated XX/XX/2018 demanding for a debt of {$320.00} for which no information or knowledge to such debt was affirm. I requested for validation of such debt and none was sent beside an itemized bill to which I challenged looking at the inaccuracy. 

No communication on phone was made and I demand all letters are certified. 

Diversified demands money for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. Please whereas no exchange of money of goods or services occurred between XXXX XXXX and Diversified Adjustment, therefore XXXX XXXX cites failure of consideration and request the following. Please explain why they demand for such debt. 

I responded to their request on asked for validation and they never validated the said debt within the required the 30 days period on my credit report. But they instead sent a bill. 

Meanwhile, I do not have a contract with Diversified and no service have been provided by them to XXXX XXXX, I demanded for their right of subrogation and they instead continued reporting on my credit report as if I owe them debt. And they put in dispute after 45 days which is a violation of Federal law as the required period is 30 days.

I hereby request Diversified Adjustment to explain to me why they violated Federal laws of the 30 days period, delete my account and explain why they are reporting inaccurately without providing me their right of subrogation. I also want diversified to know that their inaccurate reporting has cost me huge interest and credit denials and as such I request that diversified compensate me with {$1000.00} for violation of federal laws by reporting inaccurately, and by falsely representing on debt to which they have no said claim. 

Attached are proofs of communications. 

XXXX, XXXX
XXXX XXXX attempted to deposit a settlement check related to a legal complaint against a local company in the amount of {$2500.00} on or around XX/XX/18. Since that time, her account has been frozen and Chase Bank has accused her of fraud. Chase Bank staff were given copies of the attached letter from the Office of the Indiana Attorney General regarding the settlement check and still have refused to re-open her account. This has caused her damage, including hampering her ability to buy groceries and pay her bills. When I contacted the attorney who authorized the check on behalf of his client, he indicated that on XX/XX/18 he was contacted by Chase Bank regarding the check and related to them that it was authorized. Yet the account remains frozen without clear direction from Chase Bank as to why this has happened and why they are not allowing her access to her account - even after confirming that the check was authorized. It does not at all explain why the entire account was frozen instead of simply disallowing withdrawal against the check until it was investigated.
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX To Whom It May Concern : My name is XXXX XXXX XXXX ; and I am submitting a complaint against Ditech Financial LLC, that holds the mortgage on my manufactured home. I began the purchase of my home in XX/XX/XXXX and made the first payment of {$170.00} in XXXX of the same year. Now, twenty years later, after having paid 237 of 240 payments, my loan is at maturation. One of those last three payments was deferred a few months ago. The other two, I have refused to pay, until I receive the fully itemized account of my payment history, including the amount of the loan ( {$17000.00} ), the fixed rate of interest of 9.5 % ( no idea as to how it has been compounded ) ) ; the amount that has been applied to the interest, and the amount that has been applied to the principal. I made three oral requests in XXXX, and then one by email ( sent XX/XX/XXXX ), as I was finally instructed. On that same day, I was sent a reply from Ditech that my request had been received, and a representative would be in contact with me. 

A representative did indeed call and simply started asking me questions for which the answers were in my written request. I told the representative that I wasn't answering any questions ; that everything was in the email. I then told the person to simply send me the information I had requested ; and then we would talk. This is XX/XX/XXXX, and I have yet to have that requested information sent to me. However, representatives from Ditech continue to call every day, sometimes twice a day. 

Since the date of my first payment, I have paid 237 payments at {$170.00} a payment, for a total of {$40000.00}. That is on a {$17000.00} loan. I would think that my debt would be satisfied ; but Ditech still has me owing {$3400.00}. ( Three home owner 's insurance premiums ( that's another story ) of {$84.00} each, are included in this amount. ) In conclusion, I am of the opinion that my debt has been more than satisfied. I can not know for a certainty, one way or the other, though, without the information I have repeatedly requested. Therefore, I submit this complaint to you in hopes that you will help me resolve this matter.
I received several calls from Bridgecrest ( formerly XXXX XXXX ) requesting payment. Repeated calls 5-7 times a day from various phone numbers. When I have answered the call the company reps never identify themselves or state the debt collection statement that informs me they are collecting a debt. This leads me to doubt their identity and/or believe they are violating my safety and rights as a consumer
Sometime in XX/XX/2018, I started receiving phone calls from USI Solutions , Inc regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who USI Solutions is. 

on XX/XX/2018 I contacted USI Solutions, Inc and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from USI Solutions as to how they have the account and to get my money back.
I can not access my online checking and savings despite several attempts to reset my password via email /text message conformation. However I was sent an email of a over drawn balance although I did not have any account activity.
The following entities have accessed information unauthorized : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX
I submitted a new offer in XXXX with zero response and the foreclosure is XX/XX/XXXX-18. This house has been marketed since last XX/XX/XXXX and I have already spent XXXX of my money to market this home. The problem is that no one can afford the XXXX taxes which is XXXX a month in just taxes. I beg you to please consider this offer so we can close in 30 days and just cut our loses at this point. If the house goes foreclosure it is going to sit there vacant for another 2 years.
I purchased my home in 2002 and I have been experiencing major problems with trying to modify my home loan after I was laid off of my job. I have submitted documents over and over again to get a modification, but I was denied time and time again. Please help me with getting a loan modification because I know I will have another foreclosure date next month.
I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for.
Sometime in XXXX 2015 I disputed a negative item on my credit report ( trans union ) pertaining a lien filed against me, before this dispute i contacted the federal XXXX Lien Office and XXXX XXXX Clerk as well. The XXXX XXXX Lien Office provided me with a XXXX XXXX Lien Withdraw letter with docket # ending with XXXX and also serial # ending XXXX. On trans union their docket ending with XXXX Registry XXXX and for New York XXXX XXXX Docket # ending with XXXX is the wrong information concerning docket 's of XXXX XXXX clerk 's office of the NY XXXX XXXX Lien and as well as XXXX XXXX Lien. Please have these information removed from my credit report as missed information by law and policy. 
Thank You.
Provided by XXXX XXXX XXXX XXXX & XXXX claims XXXX XXXX XXXX XXXX XXXXXXXX  Claim numbers XXXX XXXX In Cfpb complaint no. XXXX president/ceo XXXX XXXX of XXXX XXXX XXXX stated that XXXX XXXX XXXX XXXX XXXX are the underwriter of the wells fargo transaction to XXXX XXXX XXXX/XXXX/XXXX. 

In XXXX XXXXXXXX response of cfpb # XXXX she stated that XXXX provided me a mortgage loan for XXXX on XXXX/XXXX/XXXX. I AM ABSOLUTELY SURE THAT MY MORTGAGE LENDER ON THAT DATE WERE XXXX XXXX AND MY SERVICER JP MORGAN CHASE TO ITS END. 

Also she states that XXXX conveyed the property to XXXX XXXX as XXXX. That also is not what happened on XXXX/XXXX/XXXX shows a quit claim sale for XXXX from XXXX to XXXX XXXX. 

Please clarify in writing of your role in this matter to clear up the confusion as other agencies keep describing your role without a written clear answer from you.
Sometime in mid-  XXXX   2017, I disputed an account for   XXXX   XXXX    that was listed on my Equifax Credit Report in the amount of {$1600.00}. The item was disputed and I later received confirmation through  XXXX , a credit monitoring service, that this item was removed from my Equifax Credit report. Sometime around   XXXX   XXXX  , 2017, the same item was attached back to my credit report without my receiving 5 days notice from Equifax ahead of placing the debt back on my credit report.
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Tel # XXXX.
After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.
I get calls repeatedly throughout the day from  Allied  (  XXXX  ). I do n't have anything outstanding, but it shows as a debt collection agency. They never leave a message, and I keep my cell phone on silent while I 'm at work so I always just miss the call. Today, that number came through to my work.
applied for a personal loan through Avant. and suddenly i have a XXXX hospital bill from XXXX on my credit report from Avant usa. one is for {$5000.00} something and another for {$800.00} something. They are reporting that this debt was first reported in XXXX XXXX. This is a lie! I was at XXXX hospital in XXXX! These bills were also removed from my credit report yrs ago as well due to misdiagnosis! I did not get any notices or bills and now since i happened to apply for a loan from AVANT who now i am assuming is the collector for these OLD NO LONGER EXISTING BILLS decided to lie and report to my credit. This IS ILLEGAL and needs to be removed from my credit report immediately.
I am receiving threatening phone calls stating I owe money but will not tell me what this is for. XXXX. I am recently widow and I am scared.
I ordered a radar detector from XXXX on XX/XX/2017, received it XX/XX/XXXX. Used it 2 days decided it was junk. Tried to get a RMA, they said they would. They did n't. They wo n't respond to my calls or e-mails ( I 've left over a dozen ) I believe these guys are scam artist and are hoping I will just give up
Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.
I contacted XXXX in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting XXXX. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.
On some of the charges the name and other information is inaccurate, while some charges are not possibly mine due to the time they occurred and the amount. In XXXX I had all of my personal information with my ID, Social security card and some other things stolen along with my moms purse. And XX/XX/XXXX I was mugged and they took my wallet which had my ID, passport and Debit cards in it. I want to enroll in a monitoring service because my credit score is frighteningly low due to accounts that were either fraudulently opened or mistakenly charged.
Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted with.