WillisBack/dataset-financial-user-claim huggingface dataset:
I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made.
This company Midland Funding bought the debt, which is 4 years old from first delinquency, according to my credit report, from XXXX. Both Midland Funding and the original creditor are reporting this on my credit report to all XXXX bureaus. Because of the double reporting and the fact that Midland Funding is reporting an amount higher than the original debt of {$130.00}, I disputed the Midland Funding account with the Bureaus. Midland Funding verified the account with the bureaus and would not delete it. Verification, according to the bureau, consists of verifying my name and social security number. Prior to finding them on my Credit Report last month, I had not had any communication with this collection agency whatsoever. I have not received any letter or phone, they just showed up on my credit report. After I disputed and Midland Funding " verified '' and continued to report to the bureau, they have now also added dispute remarks to my credit report and began sending me letters. Perhaps I finally received a letter from them introducing themselves and attempting to collect the debt after the dispute I filed with the bureau. I no longer dispute the account and contacted them to state this and have them remove the remarks from my report. I have yet to hear back about this. I also disputed through the Bureau again, asking that they remove the remarks " account disputed by consumer '' from my credit report, since that statement is no longer accurate. They refuse to remove the remarks, continue to report the account to all XXXX bureaus and have begun collection attempts and sending me letters AFTER my initial dispute.
I am currently making payments toward a loan I made with XXXX XXXX, which finances through Wells Fargo. I receive calls daily from Wells Fargo, even though I am making payments toward the past due balance. I pay {$100.00} to {$200.00} each month, I can not pay more because I have student loans, car insurance, and car payment. Furthermore, each time I pay, I do not see the balance decreasing. It can not be there interest rate because, they charge me $ XXXX for the interest rate.
I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.
On XXXX XXXX XXXX I received a Seriously Past Due notice from Transworld Systems Inc, address in XXXX DE, for an alleged debt I supposedly owe to XXXX in the amount of {$110.00}. I wrote to Transworld, explaining that I did not owe this amount to XXXX ; and that another collection agency, XXXX XXXX XXXX, recently tried to collect the same amount for the same " invoice. '' I do not do business with XXXX at all. XXXX XXXX XXXX dismissed the debt in its entirety.
i have a complaint about syncb, they put 2 hard inquires on my XXXX  report that i did not authorize, they are exactly 1 year apart within a week, i called them 1 month ago and told them to remove and they said they couldnt and told me to call XXXX  to fix it and it happens all the time, so i called back 3 weeks ago and talk to a superviser, mind you on my credit report it says, syncb / national credit card / airlines. the supervisor said he couldnt d9 anything to remove it because they are not affiliated with a credit card ( airlines ) mind you they are the ones that furnished this info to tranunion so if they are not affiliated with an airline or whatever then they should send info to all credit reporting agencies and have it removed
I took out a loan from a XXXX XXXX Speedy Cash store XX/XX/XXXX. I had been taking out payday loans at a different store and could not afford the payments. I figured that taking out the loan at Speedy Cash would help me pay off the other loan, but that was not the case. I borrowed {$250.00} and paid {$45.00} in fees. When I had to pay 2 weeks later, I was still in a hole and could not pay off the whole loan, so I renewed. 

I fell behind on my electric bill and had to continue taking out the loan. Eventually I was behind on my rent and event my gas bill because I continued to pay the fees to renew the loan. I felt trapped because I felt like I kept falling behind and could not stop renewing the loan. At one point Speedy Cash offered me a car title loan and it was tempting, but I was already being hurt by the loans I had and could n't take a loan that would hurt me even more. 

XX/XX/XXXX I XXXX and had to go on XXXX after not working for 3 months. I was more behind than ever and I had to stop paying the loans. I did n't know how to stop because Speedy Cash had access to my bank account. In a desperate attempt to stop with these loans, I visited my bank and took out all my money before closing down my bank account. I knew it was going to affect my credit, but I had no other way out. 

A bit after that I began receiving calls and letters asking me to pay back what I owed. At XXXX point I even received a letter telling my I qualified for another loan, which made no sense since they were actively trying to get me to pay my previous loan. XX/XX/XXXX I owed Speedy Cash {$310.00}. Now, almost 2 years later, I continue to receive calls and letters asking for their money. The last I heard from Speedy Cash was last month, and I need help to get them to stop.
THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD
Equifax reported on XX/XX/2017 that it had experienced a data breach exposing private information regarding approximately 143 million US citizens. This incident compromised these persons social security numbers, birth dates and addresses as well as other sensitive information. This breach was discovered on XX/XX/XXXX of the same year, meaning that Equifax withheld this information for over one month while leaving millions of consumers vulnerable. Ultimately, Equifax gathered ALL the information needed to steal the identity of 143 million United States citizens, placed it on a server that was vulnerable to external breach then hid this incident from those impacted for over 5 weeks. 

Equifax has proposed a " solution '' to this issue, however. A website was set up to where persons suspecting they were involved can verify this fact. I checked and found that my information was leaked among the millions of others. Equifax then offers ONE free year of " credit monitoring '' after which you must pay them for regular update on your credit profile, which they have left compromised. 

This, for obvious reasons, is a remarkably insufficient response to such a monumental incident. The information stolen will retain its value for as long as those involved remain alive. This breach WILL result in stolen identities stretching into the next century. Those whose information was included will NEVER be free from this cloud of uncertainty. 

There is no blanket, ca n't miss solution for those who are impacted. Personally, I have frozen my credit and opened a subscription for XXXX credit monitoring which I will now have to leave running for the remainder of my life. At a cost of over {$10.00} a month this will total in excess of {$5000.00} over the remainder of my expected life and much more for those younger than myself. 

The lack of security that directly led to the data breach is an embarrassment to this corporation. The delay before informing those who have been left exposed should be a lasting embarrassment to all involved in that decision. The proposed compensation is an insult to any thinking person considering the scope of this situation. The fact that no one will be held accountable for the monumental negligence involved in this incident is, quite frankly, an embarrassment to the United States of America.
On  XXXX   XXXX  '  XXXX , I called  XXXX   XXXX   XXXX  to combine my accumulated points into  one and keep one c ard only with my name. I also told them, that I would like to transfer some points to my son 's  Chase SW  Rapid Rewards account, and at that time no one told me that there would be fees for that. Next, when I tried to transfer  XXXX  points to my son 's Rapid Rewards account, it only showed  Equivalent Dollar for su ch points and did not specify any fees, charges or any warning of that nature. Once the transfer was made, then an amount of {$350.00} was immediately charged to my Chase card for such points transfer.   When I realized that I have been billed {$350.00} ( surely not a small change ) for this type of points ( fictitious ) transfer, I called  XXXX   XXXX  Raid Rewards dept. and I was told that they could not do anything. I even wanted to transfer them back to my account and I was told that it is forbidden.   I seriously object to such charges due to following reasons ; These points are numbers accumulated due to actual purchase of items/services by the card carrying consumer and not really given by the  XXXX   XXXX   XXXX  dept.   These points by itself have no value till these are used to buy products and/or services.   By simply transferring points between family members, there is no items bought or services purchased.   Usually when a purchased merchandise is returned in original condition and within stipulated time period, the amount is refunded back to the card 's account. Then why this is not possible in this case, when I told them to transfer the Points back to original account.   Once again, I vehemently object to such charges for some fictitious points where no items was purchased and no services provided. This is nothing but a fraudulent business practice which needs to stop and charges withdrawn. I had seen several such complaints on-line from various other consumers.   Repeated written correspondences did not provide any fruitful result. I hope I am filing complaints with appropriate Regulatory Agencies and am seeking your help in stopping such fraudulent business practice  ( in  my opinion ). I may also seek legal help to hold  XXXX   XXXX  and Card Issuing Chase Bank responsible for such charges for artificial points without any actual sale of product or services.   By the way, if you would like to know my c urrent credit score,  it is  XXXX  which even went up to  XXXX  during recent past.   Appreciate if you could take all necessary action to resolve this dispute at your earliest.
I attempted to access the online dispute functions on the Equifax website on Monday XX/XX/2018. I was able to access it, but it timed out before I finished my dispute, so I logged back in to try again. This time all three security questions contained lenders/creditors I didn't recognize as they pertained to the questions and I answered none of the above for all of them. Apparently I answered one or more of them wrong because I was locked out of the account. I tried calling equifax today and spent an hour on the phone with them with no success in regaining online access to disputes and my credit report. I was informed several times during this phone call that my name was incorrect and and that I could only get upper level website support if I was a paying customer. Both the customer service representative ans supervisor claimed my name issue was at the fault of the creditors. On my other credit reports I have several versions of my name reported because of the way different creditors report items, but Equifax only had one name and it was incorrect. In 13 years of credit history they have only one name listed for me. It is absolutely impossible and can't be the fault of the creditors when those same creditors report to other agencies properly. I was told I could get a report mailed to me but could not regain access to the online dispute and would have to fax them a letter with my driver 's license and social security card in order to make any disputes and correct my name. I have no idea how these procedures are similar or vary to other credit agencies, but I'm deeply concerned about the name variance and abnormal creditors listed on my security questions.
I tried to add my son on my home depot card as an authorized user. The customer service department sent me to the fraud department I said no problem. Had the card for almost 3 years and it is paid off, no activity but i guess i sounded XXXX on the phone. they told me to go to the store and show my identification and bring XXXX forms of ID. I said OK, I went to the store and confirmed everything. They put me on hold they then said thats not good enough, we need you to fax a copy of your ID and Social Security card and a utility bill. More harassment. Being harassed on an account that has been open over 2 years with no actual fraud. Fraud is the code word for discrimination.
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX XXXX Equifax
I live in XXXX, TX and was impacted by Hurricane Harvey in XX/XX/XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( XXXX XXXX XXXXXXXX XXXX ) due to my wife being unemployed due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -XXXX would continue to accept payments if i was financially able to do so -XXXX would not assess late charges to my account during this period -During the term of the agreement XXXX would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement XXXX should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with XXXX, on XX/XX/XXXX XXXX reported to Equifax the my account was " Not more than 2 payments past due ''. 
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. XXXX once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX XXXX once again breached the agreement by reporting to Equifax that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date XXXX has made no effort to fix the problem. 
XXXX also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.
The company did not send me notification of a balance after i had completed all payment arrangements and had been cleared of my debt.They sent me a paid in full letter on XX/XX/2016 stating that i was paid off and then after reported my account to XXXX as a collection account in the amount of XXXX.
On XXXX XXXX. 2015 CITIBANK ISSUED A LINE OF CREDIT IN THE AMOUNT OF {$4900.00} OVER THE PHONE TO SOMEONE PRETENDING TO BE ME. CITIBANK IS HOLDING ME ACCOUNTABLE FOR THEIR ERRORS AND MISJUDGMENTS, I NEVER CALLED OR ACCEPTED ANYTHING OVER THE PHONE NOR DID I SIGNED A CONTRACT ACCEPTING ANY MONIES FROM CITIBANK OVER THE PHONE.I CALLED SEVERAL TIMES ON THIS MATTER TRYING TO COME TO A CONCLUSION NOTHING HAPPENED, THEY SAID I WAITED OVER 60 DAYS ON THIS MATTER WHICH IN FACT I DID'NT I MADE LOTS CALLS TO THEM I EVEN WENT TO THE BRANCH ON A SATURDAY CAUSE I WORK FROM MON-FRI XXXX. CITIBANK IS SAYING I 'M NOT A VICTIM OF FRAUD CAUSE I MADE THE CALL FOR THE CREDIT AND MISTAKENLY I WAS NOT THE PERSON THEY SPOKE TO.
XXXX XXXX I was trying to purchase XXXX pair of XXXX shoes. While, process the transaction it continued to decline my transaction. I contact Wells Fargo to see why it was not going through, as I had plenty of money in my account due to income tax returns. I decided to pull my account up online and saw I had XXXX withdraws in the amount of {$420.00} a total of {$850.00}. My balance before the transaction was made was {$2200.00}. I decided to transfer the majority of the funds into my sons account leaving a total {$360.00} remaining. When the male representative came on the line I explained what happened he stated it was a security issues they wanted to make sure I was the one allowing the transactions and he could allow the transaction to go through. Unfortunately with me transferring the funds into my sons account and leaving only {$360.00} on the account I was not able to make the transaction go through. I asked the young man about the pending credit of {$850.00} and when it will be deposited back into my account he informed the funds from the transaction will deposit back into my account in a few day. I then informed him I will go ahead and may XXXX transaction for the shoes out of the Wells Fargo account and buy the other pair from my son 's account. I checked my account Monday/Tuesday and notice it was still a pending credit. I checked Wednesday night and notice the {$850.00} was no longer there as a pending transaction nor back into my account. I immediately contact Wells Fargo who stated they had no record of the transaction and they keep no notes. I was then told I never had the funds available which is why I do not see it. I requested a manager and requested for her to listen to the call since there were no notes. I also requested a phone call back in regards to this matter after the call was heard. I have yet to hear from anyone and no one would like to discuss the matter. I 've filed a complaint with your office and still dispute the answer given by the bank.
I received a voicemail on my work phone from a XXXX XXXX stating she was from XXXX XXXX XXXX XXXX calling to collect a debt and that there was a "legal document" that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email (which said that if they didn't receive a response in 30 days, they would consider the debt valid). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this "legal letter" was going to be delivered to my place of work. I told her (per the letter I was sent) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account (she lied and said it was and that is how they got the number). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.
I am receiving phone calls from a company that shows up on the caller ID as XXXX XXXX. The phone number is XXXX. They called on XX/XX/17. Unfortunately, my caller ID doesnt go back far enough to see the other dates. I get calls these very frequently and would like for it to stop. I have asked them on numerous occasions to take me off of the call list and to leave me alone. The last time, I asked the representative if she understood that a fine could be leveled against the company for calling someone on the do not call list and she hung up on me. I get several calls in a day from telemarketing services and I feel that the DNCL and associated laws are not working. Please help correct this issue. Thank you.