WillisBack/dataset-financial-user-claim huggingface dataset:
The company that has called me is Pinnacle Asset Management. They have stated that I owe a debt for a payday loan. However, I have never taken out a payday loan with the company that they are claiming they represent. When I asked for evidence that the debt is valid they refused and only stated that I have had a letter sent to my home. I have not received any such letter nor have I received an email which they also claim they sent. When I contacted the rep to request that they validate the debt with either the original contact information of the creditor or by providing me with documentation showing that I signed off the " loan '' they refused to comply and stated that they did n't have to do that since they were the mediator. The rep name XXXX then proceeded to insult me by calling me professional debtor. He then pulled up my linked in account and proceeded to read off the information on my linked in account and threatened to contact the people in my list by telling them that I was a professional debtor. He then hung up on me and would not pick up my calls afterward. Another rep was calling my mother and other friends and family.
Experian has been reporting a secret consumer file used to provide leasing reports to various companies. Reports that I have never received attached to my credit file and also reports that they will not disclose to myself. As I am a victim of identity theft by a property manager who assumed and attempted to use my name after finding it was clear and free of any criminal activity, and when told that she could n't, she tried to send a bill to me two years later in the name of the person that committed identity theft prior to her that I filed charges on. I have since tried to contact Experian, and they will not furnish the report. They have blocked me from access to my file requesting that I mail a request, and releasing it to others with a click of a button, with fraudulent accounts and reports and court filings. I have asked Experian not to add, inquiries, collections, or anything pertaining to my file unless it is Legally verified. I request that Experian Unblock my file to myself, so that I may see what they have been reporting pertaining to me, and my information. It is someone that works within the Experian Corporation giving access to my information, while blocking myself from seeing what they are disclosing.
I do not have the dates of my student loan. It was XX/XX/XXXX or XX/XX/XXXX. XXXX sold me " college '' debt and the education was n't worth transferring credits bit they helped me get my student loans and grants put thru. I have heard there was a lawsuit. I really need this resolved so I can go back to school. This time just for a certfication. XXXX is like half student loans. Can You Help?
I am putting in a complaint against Trans Union Because since XXXX of this year I have been trying to split the merge between my twin brother and me. My brother has been a XXXX for a few years and I have recently gotten my XXXX. I have been living at my brothers house as he is the one who requested me to the XXXX. I have been calling repeatedly and trying to fix the issue where I have not been able to access my free credit report. Trans Union requested for a copy of my social security card which i sent to them already on several occasions. They claim that my file is being sent to the maintenance department and that the problem is going to be fixed yet they do not end up fixing anything. Today i called to get a follow up and once again i spoke to a representative whom this time made the situation worse and finished merging XXXX files together now me and my brother have only XXXX file. This has been an ongoing situation and I am already frustrated in trying to get this matter resolved
When trying to obtain a loan modification after filing bankruptcy XX/2016, Ocwen has failed to comply with the bankruptcy courts to confirm the amount owed on the loan to be able to confirm my repayment plan to the Trustee as well as my numerous attempts to obtain the proper paperwork to have them assist me in a successful loan modification. I have also requested regular monthly statements to be mailed to me and these also have not been successful.
Back in XX/XX/XXXX USAA switched me from a XXXX to XXXX card. However, their payment system still showed the defunct XXXX with a XXXX balance. I accidentally paid the XXXX {$2000.00} and their system accepted it - even though there was NO balance on it. I paid off the proper accounts and USAA refunded the {$2000.00}. But, a negative {$2000.00} appeared on the defunct XXXX when it should show XXXX - and why is the card they shut down still being shown on their payment system is beyond me. Service rep made up some story about " banks hitting the card ''. The {$2000.00} was removed from the XXXX and is now on the XXXX  card with fees and interest. No description as to what it is or where it came from.
Please have equfax update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMERICOLLECT INC
My mortgage is with Kondaur Capital Corp. I have been tryin to get a payoff on my home since XXXX 2015. My daughter XXXX XXXX have contacted then as well. We have spoken to XXXX in which she refuses to call back or send my payoff on my home. We have spoken to her Manager XXXX XXXX several times and he never returns call nor has he sent my payoff on my home. I also left message for XXXX XXXX he has not returned my calls either. I have been asking for a payoff so I can pay my home off while I have the money. The second mortgage company XXXX XXXX. cant give me a settlement on my home lien because Kondaur refuses to send me a payoff.
I found an old check send it to me from Citibank dated XX/XX/2013, there is not phone number on the check only an address and I have tried to get the phone number of this bank without success. I need to get this check to reissue and send it to my address.
Of the XXXX credit reporting agencies at www.annualcreditreport.com, only XXXX will let me access my information online. 

EQUIFAX will not allow me access online. First they ask for information which you would need the credit report to know. What is more alarming is they asked me to answer which company I got a mortgage from in 2015 to verify my identity. I did not get a mortgage in 2015! Now I ca n't get access to my credit report to see if there has been identity theft! To submit a request for my EQUIFAX credit report through the mail will take weeks, at best. 

XXXX is even worse. Submit a request for the annual free credit report via www.annualcreditreport.com for XXXX, and you get a full-screen solicitation to purchase XXXX credit monitoring service for {$19.00} a month with NO OPTION to go beyond that page except accepting the free trial offer, which brings you to their enrollment for credit monitoring page. You simply CAN NOT access the XXXX credit report from www.annualcreditreport.com. They not only wo n't provide my credit report, as required by law, they TRY TO SELL ME SOMETHING INSTEAD! Unbelievable!!! 

Please enforce the rules requiring the credit reporting agencies to provide a free credit report to consumers each year. 
Consumers should not have to jump through ridiculous hoops and wait weeks to get what is rightfully theirs by law. 
I also think it is vastly inappropriate to have solicitation offers be linked or connected in any way to www.annualcreditreport.com. 
Thank you.
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my XXXX  XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.
This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.
In   XXXX   I was told by Equifax that my file was being handled by a special department called consumer affairs. They told me then that it was indefinite and they had no time frame as to when it would be released. They stated that this is for my protection but it has been nothing short of a hindrance to me. I have waited 6 years and I am constantly inconvenienced by this department. They are rude and wo n't answer any questions regarding my file. I have asked to be removed and they wo n't. I ca n't even take advantage of online credit monitoring because they have my file locked. How is this legal or ethical. It 's my credit file and I have to work hard to even view it, then wait days for them to mail me a copy. How is this protecting me? Consumer Affairs is not a department that is for the consumer at all.
CHASE AUTO RUN MY CREDIT WITHOUT MY CONSENT AND MADE XXXX HARD INQUIRES ON M CREDIT REPORTS DATED XX/XX/XXXX AND XX/XX/XXXX
I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Equifax sent a standard response of : Please be advised the creditor verified the XXXX XXXX XXXX account number XXXX correct as reported by credit grantor in case number XXXX. 
Apparently the letter ATTACHED stating the trade line will be deleted was NOT reviewed!!!!!!! Is this website/credit bureaus even PARTIALLY responsible for assisting with this matter instead of just replying with a simple one liner WITHOUT reviewing the facts???!!!!!
Have a collection on my credit and the collection agency has never notify us about this account and they said they do n't have to notify and they are in guidelines.
I sold items through XXXX XXXX is clear customer has product when I try and transfer funds to my bank account PayPal charges excessive fees and does not transfer funds timely taking over a week making excuses not to transfer holding my funds
I have regularly been mobile depositing checks into my account for XXXX years, and on XX/XX/XXXX I did a mobile deposit of a Cashier 's check for {$300.00}. The amount was held for 10 days for " confidential information '' that the check might not be paid. This hold resulted in a returned item fee for my student loan payment that was coming out. The next month, on XX/XX/XXXX, I made a mobile deposit of {$160.00}, that was also held for 10 days. This time the student loan payment came out the charged a returned item fee. When the student loan company attempted a second try at the payment, BOA paid the item, and charged an additional {$35.00} fee. And then, on XX/XX/XXXX, they charged an extended overdrawn charge, for holding the funds in my account. I called multiple times to ask for the hold to be removed and provided proof that the check that I deposited into the account had already cleared, but they were unwilling to refund the fees. During one of the calls XXXX, from Texas, said that when the hold was released and if the deposited item did not get returned that they would refund the fees that resulted. This morning, XX/XX/XXXX, I called when the hold was released and they refused to refund any fees. They acknowledged that XXXX said she would refund the fees, but said that she was wrong to say that and the fees would stay on the account. Essentially, Bank of America held good funds from my account to charge me {$100.00} in overdraft fees.
wel ive got alot of issues, we, ll start XXXX XXXX all XXXX XXXX. the recenmt over the limit that was reported is a complete lie, they added onterest which put me a few $ over. trhey did this b4 once when my balsanve was so high ( m thats done. just paid threm down in XXXX. but whenmi got a notification, i called custumer service and said a certain credit didnt go thru and their $ 50+ interest put me over. the csr said ( { and assured me that no0thing would be reported til XX/XX/XXXX. i get my dis on XX/XX/XXXX theyre due XX/XX/XXXX. so thryre alwayts earl ; y anmd wazy bedore the XX/XX/XXXX. 
now to the XXXX COAP??? i nquiries all in a month. i just found out thats XXXX XXXX XXXX. ive been getting preapprovalo letters up to {$35000.00} for apxc 2 years. in fact i bought new XXXX with itafter about XXXX monhs im wantyed to refi lower inteest. they approved me ( i have all documentaTIONstill ) then about a week later they call and said my employer filled the form wrong ( XXXX income, XXXX is XXXX main revenue source. my boss was on vaca tiohn fort 3 weelks. letters were coming in saying IF it were approved @ higher inrest rate. off and on back and forth i said forget thrm.. what im figuring now is the kept running my inquiries. THEY BETTER COME OFF ASAP!!!!!!!!!!!!!! I DONT THINK YOURE GOING TO WANT ME XXXX W/ THEM DIRECTLY. 
HELP ON THISW
XXXX XXXX at XXXX XXXX I called in to the credit card department to get information about the terms of the account. Specifically, I wanted to get the terms and conditions of the account in regards to the interest rate and interest free period. The representative I spoke with told me that as long as I do n't make any additional purchases the current balance would not be subject to any interest for the duration the account is open. I asked the question 4-5 times and in several different ways and the representative continued to give me the same answer. The agent never sounded unsure, reiterated the same answer, and never asked for help from a supervisor if he did n't know the answer to my question. Because of this information I made financial decisions that I would not have made which are now creating damaging repercussions. XXXX XXXX I found out that my account was being subjected to interest when I was making the minimum payment. I called BBVA Compass and told them my situation. They told me that they would have to file an escalation report and go through the proper channels. They told me they would call me in a few days. XXXX XXXX I never heard back from Compass in regards to the escalation report. XXXX, the XXXX branch representative told me that I should 've been contacted by now. She decided to look into the matter further. When she called me back she told me she could n't do much because she is not a part of the credit card department. She told me the escalation report is in progress and that I have to keep in mind that that I signed an agreement and whatever I was told on the phone does n't matter. XXXX XXXX I did n't receive a call from Compass so I called them to inquire about the escalation report. They were giving me the run around and making re-explain the events. When I pressed them about my dissatisfaction they finally got the escalation report started although they had been telling me that they had already filed it. They said they would review the taped conversation and get back to me regarding my complaint. XXXX XXXX They finally finished their escalation report and called me back. I was told that I signed an agreement and that the conversation I had with the agent on XXXX XXXX does n't matter. I was told that I misunderstood the representative that day and the tapes reflect that. This is not true according to my notes and my recollection of the conversation. I asked if I could get a copy of the taped conversation and they said not without a lawyer or legal scenario. I have already accrued {$220.00} in interest which I could have avoided if given the proper information from the beginning. As a reasonable person, the conversation I had with the agent on XXXX XXXX amended the written agreement and I should not be subject to any interest on the account.
For several years I have tried to get my home loan modified. Wells Fargo has taken me through the ringer and I have not gotten the assistance I need. I have re-submitted the requested documents several times, to keep my home from being foreclosed. I think this has occurred 4 times, most recently this year. My loan keeps increasing. I could barely pay it when it was {$2000.00} now it is {$2300.00}. I requested several times to get a fixed rate and to get a mortgage that was more affordable.
On XXXX XXXX, I received a 'Collection Notice ' letter in the mailbox, dated XXXX XXXX, 2016, from ERC , of XXXX Florida . The Creditor is XXXX XXXX XXXX XXXX. The claimed debt amount is {$700.00}. I tried but failed to find an appropriate option for cases of fraud in the phone tree within the customer service number at XXXX ( XXXX current parent company ). I am not and never was a XXXX or XXXX customer, and unless you are, there is no way to get to a real representative. Since I have only recently been hearing about ERC, I do not feel comfortable yet contacting them directly.
After review of my XXXX credit report, I noticed a collection account posting in the amount of {$980.00} reported by Credence Resource Management. I am unaware of this debt and this company is reporting this debt without providing me the initial notice of debt.
To Whom It May Concern ; XXXX was my previous loan service company. Today, I am being serviced by XXXX XXXX XXXX XXXX XXXX. The issue begins when XXXX sells mortgage to new company, XXXX XXXX. At the time ( XXXX,2017 ), I had made my regular monthly payments in addition to one large principal payment of {$78000.00}. The issue is that the new company, XXXX XXXX, never received these payments and all of the funds that were paid are currently " lost. '' I have been trying to resolve this issue with both companies for over 2 months and have not been able to get this fixed. I ask that you please review my case and help me with my problem. 

In addition, since the funding of accounts were not properly transferred, all recent payments that have been made have charged a higher interest and I would like for a new amortization schedule to be applied from a " true '' cost of funds. In other words, older loan ( XXXX ) was suppose to transfer funds into the new loan ( XXXX XXXX ), therefore my outstanding principal should have been established at {$310000.00} and not at the amount of {$390000.00} ... there is currently a discrepancy of {$81000.00} + additional interest charges that my account is being charged since the loan started at the higher amount {$390000.00} and I have already made a couple of payments to this amount. 

Thanks in advance.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX 10.XXXX
Wells Fargo failed to pay my hazard insurance on time. This resulted in a lapse in my insurance and I had to pay the insurance company directly in order to restore my coverage.
TransUnion had reposted a paid debt that had been handled by   XXXX   XXXX   located at   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened   XX/XX/XXXX   (  6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to TransUnion as with  XXXX  and  XXXX  that the debit is paid, the only one NOT following federal regulations is TransUnion. I called TransUnion  XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed TransUnion to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned TransUnion into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior   XXXX   did to me when I had the issue with   XXXX   XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they ar e apt to destr oy and ruin people intentionally.
Banks are not being fair about charging fees to an individuals account. I have several transactions going in and out of my account. I have several overdraft fees on my account. WHY do they allow transactions to go through when i dont have money available? Is that so they can grab XXXX $ from multiple hard working citizens ... I want all of my overdraft fees returned. I call customer service but thats hardly what it is ... they just treat you like another number and pass you around or just say im sorry my system isnt allowing me to reverse anything. Again why do transaction go through when i dont have money available. I have allot of transactions on my account and if you dont want to lose my business and that taking my account and credit cards to other companies, you reverse all my fees immediately. IF not i will go to the Attorney General and OCCs office along with the BBB.
XXXX XXXX XXXX XXXX made an unauthorized charge to my Chase credit card in the amount of {$680.00}. I disputed the charge immediately, in writing, to Chase who has refused to remove the charge and further, has refused and, continues to refuse to conduct a competent investigation into the charges. Relying on form letters and form denials and, refusing to provide COMPLETE copies of documentation it says it received from XXXX XXXX that allegedly support the fraudulent charges. I have since paid the charge including {$40.00} charged by Chase in interest fees. Chase has done nothing but threaten to ruin my credit. XXXX XXXX has done absolutely nothing to assist in the investigation or to provide a competent explanation for the charges.