WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a bank account at TD Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as " inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. 

Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.
I have a collection account listed on my credit report ( all XXXX - XXXX, XXXX, and XXXX ) - reported by Account Resolution Services on behalf of a medical debt not specified.
From a search conducted on Texas 's treasury site, Account Resolution Services is not licensed to collect in the state of Texas there fore I am disputing this collection account. Please have the collector verify their bond number to collect debts in Texas as the screenshot I have attached, do not match the contact details listed on my credit report for Account Resolution Services.
If indeed, they are licensed why are they collecting under a DBA or different name not listed on the license/bond with the state?
Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX. the debt was discharged XX/XX/XXXX and sold to a different bank. the original owner of the debt was one west bank they sold this debt to XXXX and they collecting and misrepresenting on my credit report.
I just got a letter from a company called  XXXX  that my house has been scheduled to be auctioned o n  XX/XX/XXXX . I have  been fighting this auctioning of my house with  Nationstar for many years now. Nationstar want to foreclose on my house instead of modifying my HAMP Loan Modification to a  more affordable mortgage monthly payment. I applied for this modification in  XXXX . I told the servicer to modify the loan but they have been giving me the runaround and playing hardball with me. They asked for the same documents over and over again since   XXXX   which were never used to modify the loan. Not only do they botched my loan modification, they refused to modify. They never made any conscientious effort to modify the loan. Their goal is always to foreclose. At this time I believe that they can not foreclose because of the foreclosure statue of limitation. They have been trying to foreclose on this house for the pas t 6 years. I  believe the statue of limitation has ran out. Attached is the foreclosure letter I received from a third party.
Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.
Initiated {$7500.00} ACH transfer on XX/XX/XXXXfrom checking account to Coinbase account ( US dollar wallet - no currency conversion involved ). Coinbase site states 3-5 business days until money will be available in my Coinbase USD account. 

{$7500.00} left my bank account the next day on XX/XX/XXXX. It is still not deposited into my Coinbase account. The max timeframe of 5 days has already passed. 

Coinbase website states they have degraded service due to currency conversion issues. However, there is no currency conversion involved in my order. A simple ACH transfer of {$7500.00} from my checking account to my USD wallet at coinbase, there is no conversion involved so this should not be delayed. 

Coinbase is keeping peoples ' money a lot longer than they say they will. XXXX is full of users with the same complaint. 

I have tried to contact Coinbase but their support is non-existent. Suggest to fine Coinbase and/or revoke their license.
On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.
I was first sued 9 years ago by a credit card company. I was sued again this year and never got the supenoa. My checking account is now frozen. The money that is frozen is not mine but my husband 's direct deposit paycheck. The account is a joint account. I do not have a job. I am XXXX but not receiving benefits yet. I called the debt collectors attorney but they refuse to tell me anything. They are holding all the money and we have none for food for us and our XXXX XXXX XXXX daughter or rent or for gas for my husband to go to work.
We have a XXXX American Express Card and we get an annual rebate on XXXX Purchases made with the this card. We have switched all of our statements to be received electronically and so we do n't get any statements. Last year, we were in the process of moving and they sent a paper statement with a rebate of over {$1100.00} to our house. I am not sure if we ever received or if the statement was thrown out opening since we have everything electronic and it may have looked like junk mail. Either way, we never used the rebate check. As I said, we were busy moving and realized in XXXX that we never got the rebate. We spent hours on the phone with both Amex and XXXX and they both said that it was too late to do anything. Amex credited {$41.00} of the {$250.00}! I complained and said that they should automatically apply the credit instead of sending a physical check, especially when you do n't receive statements. They said that was possible but you have to call them in advance to make that change. They were not helpful at all. That was money that we earned from spending a lot of money at XXXX and we get nothing in return! My recommendation is never use this XXXX Amex Card!
My husband and I have multiple bank accounts with Capital One. Joint checking, business checking, savings, and savings accounts for my children, and a checking account for my mother in law that we also control ( 6 or 7 accounts in total ). We have had these accounts for many years - originally with XXXX, and then Capital One when they bought XXXX. On XX/XX/2017 we received 4 letters in the mail ( one each for XXXX of the accounts ) dated XX/XX/2017, saying the following : " Your account ending in XXXX will be closed on XX/XX/2017. As provided in the rules governing deposit accounts that you received at account opening, Capital One Bank may close any account in our sole discretion at any time and for any reason. We 'll send you a cashier 's check for the balance. Please stop writing checks and cancel any automatic deposits or payments for this account right away. If you have any questions, please call us at XXXX or stop by the branch. Thanks, Capital One Bank '' This is the first notification we have received of this. We have a lot of money in the bank. We have never once overdrawn. I have a huge amount of time invested in setting up bill payment, direct deposit, online access, etc. This is a HUGE inconvenience, and while it may be allowed, I ca n't in my wildest dreams imagine a business reason for doing it. 

We called the number on the letter immediately. That was Thursday evening XX/XX/XXXX. My husband went through 3 layers of people. Nobody could help. He was told that he had to speak to a case manager, and that person would call on Friday ( they never did ). He tried calling and once again got nowhere. He went to the branch ( as mentioned in the letter ). They could do nothing for us. They said they have no access to the system that could explain this. Now it 's the weekend. We will be out of town for much of this coming week at a conference for business, so we have almost no time to deal with this. By the time we return it will be XX/XX/2017 and the accounts will automatically close 2 days later. We ca n't wait any time at all to be opening new accounts and have a way to pay bills. I ca n't fathom a reason for this. The only possible explanation we were able to get from the 3rd person on the phone on Thursday night was that they had discontinued offering the types of accounts that we have. Okay. So, why not send a letter saying that, and give us 30, 60, or 90 days to transfer to a different type of account?
This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated.
I 'm getting bills for a card that I have never used. I have an Amazon credit card # XXXX that I promptly pay the bills as soon as they are mailed to me. Chase Bank keeps sending threatening letters demanding payment and adding penalties from a credit card named Amazon Prime # XXXX. I have never used that card.
Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
Every time I find incorrect information on my credit report whether it is personal or otherwise I dispute it. Now keep in mind I am disputing information a company has given to the credit reporting company without having to prove any of it. In fact upon speaking to someone at the credit reporting company I found out this information from the reporting company is given verbally aka over the phone or via email. The company giving this information only has to provide enough information about me ( which they can obtain most of from the credit reporting company itself ) for the credit report company to it on my credit report ; no documentation is required. When I dispute say a incorrect account the credit report company has to verify it with the company who reported it ; this includes even when I provide documentation from the company who reported it in the first place. If a company verbally gives the credit reporting company updated personal information about me such as address, etc. and I dispute the information as it is incorrect, I have to mail in documentation PROVING that it is incorrect. The documentation I have to send in is very specific such as a state issued ID, utility bill, etc. I have had to correct my address with the credit reporting companies many times over the years.
I have disputed with XXXX XXXX more times than I written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation I requested 1. When was the account opened. 2. The first time I missed a payment. 3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. They will not release this information to me and its been way over a year. Also I can submitted by mail a certified mail receipt and letter I wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company.
Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
On approximately XX/XX/XXXX, I was on my home computer and found, in the deleted e-mails, a bill for {$260.00} from Home Depot / Citibank. I knew that I had not charged this bill so I contacted Home Depot customer service. I requested that any and all bills should be mailed to my home address and not sent to my e-mail, which may not be working properly. On XX/XX/XXXX, I received a Home Depot bill for {$19.00} dated XX/XX/XXXX which I recognize as being made by me. That was the first time I had received this bill from Home Depot / Citibank. I paid the bill for {$19.00} immediately on XX/XX/XXXX, check # XXXX. I understand, from someone in XXXX whom I was directed to call to review this account, that the check was received by Home Depot / Citibank. The {$260.00} was the combined principal, interest and fines which  included the {$19.00}. 
On XX/XX/XXXX, I received a letter from Home Depot credit service saying that I was " responsible for the remaining charges ''. Home Depot / Citibank holds me responsible for charges that I never received, not by e-mail, not by regular mail and not by phone. I never received any bill in the mail or by e-mail until XX/XX/XXXX. 
I pay my bills, always and by the statement due date! I never have outstanding charges on my credit cards! I was also never informed of accumulating charges based upon the initial amount of {$19.00}. I have made a monumental effort to resolve this matter. I have spoken to many people from Citibank, Home Depot and people in XXXX, who are extremely difficult to understand. I was told to send a fax to Citibank concerning this problem. As of my last phone call on XX/XX/XXXX, Citibank has insisted that I pay the full amount of {$240.00} which is accumulated late fees and finance charges, which I paid by check today to avoid potential damages to my credit. 
The above information was faxed to Citibank  Internal Recovery,  Attention : IRU Dispute Dept. Re : Account # XXXX. They sent me a letter dated XX/XX/XXXX indicating that they required more information with a request for me to contact them. Again, when I called, I was speaking to someone in XXXX who was not cooperative and difficult to understand. Again, I got nowhere and was forced to pay the bill.
I initially filed complaint XXXX regarded inaccurate data, multiple/fragmented files, and unauthorized inquiries only to have EQUIFAX not resolve my issue but provide an copy of one of the credit files. My issue has remained unchanged. I have multiple fragmented credit files with Equifax. I have submitted 14 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized. AS OF XX/XX/XXXX, EACH ATTEMPT TO CONTACT RESULTS IN " WE CA N'T HELP YOU OR WE DO N'T SEE WHAT YOU HAVE, OR WE CA N'T TRANSFER YOU WITHOUT ACCOUNT NOTATIONS, OR YOU CAN REQUEST DISPUTES ONLINE ''. THIS IS UNACCEPTABLE AND THIS IS MY LAST ATTEMPT TO SEEK A RESOLVE BEFORE OBTAINING LEGAL COUNSEL.
Ive sent numerous letters to equifax, XXXX and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.