WillisBack/dataset-financial-user-claim huggingface dataset:
My previous complain number XXXX. Submitted to the CFPB on X/5/2017, where I was concerned about my account being reported as delinquent, your response was : After reviewing your complaint, our records show the information you disputed, late payments on XXXX # XXXX does not currently appear on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. After reviewing my credit report and had provided enough documentation supporting my case, I regret to let you know my credit file is reporting negative information in regard this account. As I stated on my previous dispute a management-consoling program has been making payments since last year and theyre managing my payments. My account is reporting unknown payment status for XXXX 2017 and as you may know this is impossible ( supporting documents state it ), therefore is hurting my credit report. So, Im kindly requesting an update to my file. Thank you
A judgment against me was applied on XXXX XXXX XXXX by XXXX XXXX via their Subrogation Attorneys " XXXX XXXX XXXX '' for the amount of {$17000.00} + 6 % from the date of the Judgement. My complaint is that XXXX XXXX  XXXX suspended my license. 

I learned of the suspension because I received a letter from DMV. I then contacted XXXX XXXX   XXXX to determine why and was told because I had not arranged to make payment. I asked the representative how was I supposed to know to do that as I was not sent any type of notice from them to contact them. I expected that after the court decision they would have sent me a letter advising of the final details of the debt and what is necessary to make arrangements for the payment of the dept. 

I have also not received any notice from XXXX XXXX  XXXX that they have made the adjustment to the amount of the debt owed. The VA Insurance Commission handled an issue related to the amount I owe for the claim because of an error on XXXXXXXX XXXX part with the valuation of their client 's vehicle. XXXX acknowledged their error and adjusted the amount owed by deducting {$970.00} from the original amount due but XXXX XXXX XXXX did not send a letter acknowledging that either. 

In summary, they did not send a letter requesting that I contact them to discuss next steps or acknowledge that they have adjusted the amount they are attempting to collect after the date the Judgement was placed in court which was XXXX XXXX XXXX and took the action of suspending my license without giving me an opportunity to make arrangments before the suspension. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Assigned Collector - XXXX XXXX XXXX
I contacted XXXX XXXX XXXX to repair a washing machine. The first XXXX technician did an analysis and ordered parts charged ( {$210.00} ) to my Bank of America Visa credit card. After the parts were delivered to my home, two different XXXX technicians arrived to affect the repairs. They determined that the first technician misdiagnosed the problem and ordered the incorrect parts. They labeled the parts for XXXX pickup and left them on my front porch on XX/XX/2018. I have a receipt from them indicating a refund for the parts purchased. In spite of numerous calls to XXXX XXXX XXXX and multiple commitments to have the parts picked up by XXXX, they sat on my front porch for almost one month. I contacted BoA regarding reversing the charge. At their request I provided the receipt indicating that the refund was approved ( but not rendered ). After a delay, BoA made a request for additional information that had no relevance to my issue. The request was nonsensical. Calls to BoA did not help. BoA in my opinion just did not want to honor my request in spite of documentation. Their behavior is inconsistent with that of my other financial institutions. I would like BoA to honor my request, supported by documentation and reverse the charge of {$210.00}.
I invested my money to buy ETH at XXXX, my balance was about {$110000.00}, i loaned from them {$10000.00} to make a little more money, and suddenly within seconds the price went from $ XXXX/ETH to $ XXXX/ETH liquidating everyone from their positions. The technology failed and froze everyone out of their accounts, No one could access to their account at the time and No one was notified of margin calls. The site shut down for an hour or two after before trading resumed and everyone that has margins was liquidated.
I can not access my account for almost a month as it is locked and my mobile phone to access it stopped working. All they needed to do was remove 2 factor authentication for me so I could set it up on my new phone. Instead, they locked my account and I can not get them to respond to many, many messages and calls. Im stuck in a black hole of automated emails and replies that are going no where. I do n't even know if they are still working on my issue. I ca n't access my funds ( digital currency ) for almost a month now and meanwhile one of my digital coins is going down in value. 

Help! 
PS : None of the attached emails that appear to have solved the problem actually worked ...
XX/XX/2018, Im still trying to contact Bayview Loan Servicing so they can update my account..No one will answer the phone or return my call. All the lies and scamming, guess they dont want to talk to me. YES, Bayview Loan Servicing Approved and Executed my Loan Modification, but XXXX XXXX continue to send me harassing letters about foreclosure, claiming they didnt receive my last trial modification payment. I have provided proof that Bayview Loan Servicing received the last trial Modification Payment. They are so INCOMPETENT there. Im NOT Sure if the employees there have high school education, especially XXXX, she is so dense. My account need to be updated. When my attorney finishes with these crooks they will be sorry! I have a contract signed, approved and executed by Bayview Loan Servicing saying I didnt need to do anything else. I received instructions where to send the new modification payments. I have already sent XXXX XXXX my 1st Loan Modification Payment so I dont know what XXXX XXXX is talking about. She is a big liar, trying to scam more money out of me!
This collector called my dad and asked for my phone number and other information, My dad is on the Do Not Call List. He would not give them any info, and they became pushy, rude and forcefull. My dad had to hang up on them.
I was turned down for a venture credit card from Capital One credits cards. They sent a letter stating the reason for my denial was the length of my credit history as shown by XXXX. However, I have been borrowing for over thirty years now, and when I called XXXX to ask them about the problem they stated that they have no record of Capital One even making an inquiry against my report.
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXXT XXXX, GA and XXXX XXXX XXXX XXXX, GA.
I am writing to alert you of fraud concerning my mortgage. I was alerted through a letter from M & T Bank that a pay off statement was requested from them. I received a letter to this regard dated XXXX XXXX, 2016. This is the letter stating now fnma-lakeview now owns my account. Which I never authorized any transfer of such things. There is a XXXX law firm constantly involved in fraud concerning a probate attached to this loan. My home is involved in a large plot of lands. I in no way afforded such people to own or transfer anything from my account. I have this mortgage merely to stop this kind of fraud from happening. I own these lands outright. There should not be any mortgages on any such properties or lands within this probate. Nor should the address or authority have changed. The parcel associated with this loan is XXXX or community XXXX panel number XXXX. I found a group boasting that they stole the probate through the transfer of the home attached to the loan. Please check into these things. The XXXX law firm attempted to steal a home attached to this probate in Delaware in previous years. They were unsuccessful. I would like any loans associated with this loan and homes or parcels checked into. There was only XXXX mortgage, it just got sold and resold never authorized. I show that many of these mortgages were placed on other parcels using the probate funds to pay such mortgages. I am the owner of this mortgage.
I have 2 issues with Avant Credit card accepting and processing payments.

1. I used my banks bill pay for a {$160.00} payment to Avant. The bank mailed a physical check that was processed by Avant on XX/XX/XXXX and the funds were removed from my bank account. I called Avant on XX/XX/XXXX and I was told the funds were received but would not reduce my available credit until XX/XX/XXXX. I payment made 2 weeks earlier using my same bans bill pay was received and processed in 2 days but because the next bill pay is {$160.00} they are holding it for 7 days. 

2. My current balance on my Avant credit card is {$76.00}. I attempted to make this payment using the Avant website and it will not allow me to make the payment. The error is that the amount it too much. I called in 2 times and I was told by both Avant employees that I can only make a {$40.00} payment using the website or over the phone. I asked to speak with a supervisor and was told they would be unable to assist me. After asking a few times I did speak with a supervisor who was not sure why I could not make a full {$76.00} payment. This credit card company charges interest based on a daily balance. It appears they are refusing to accept full payments so they can collect more interest. Who knows how many people do not understand this and are taken advantage of by Avant.
After the Equifax cyber security data breach was announced, I went to the Equifax Security 2017 website to enroll in free credit monitoring as my personal information may have been compromised. I received an email today from TrustedID XXXX today requesting that I verify my identity for the credit monitoring. When I entered the data on the website, the website said that there was an error and directed me to call a toll free number, which was not a working number.
I then called Equifax directly, and my call was disconnected. I am now concerned that the email from TrustedID XXXX was not legitimate but I have no way to verify this with Equifax. I was connected to a Equifax call center employee who told me that the TrustedID website was unavailable. This is ridiculous. The free credit monitoring that Equifax promised consumers to provide directs consumers to a website that is UNAVAILABLE to complete enrollment and the phone number on the website to call is n't a working phone number?
This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contacted to verified this debt. Note that a scrren shot is not unacceptable validation proof in a court of law. I am a litigious consumer and intent to use my right to clear my good name.
As per Credit Karma, I got this hard inquiries that I dont allowed and recognized. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 

XXXX XXXX Inquiry from XXXX XXXX, 2018 Miscellaneous Reptg. 

XXXX XXXX XXXX is conducting fraudulent businesses pushing consumers to high rates and placing unsoliciting insurance just like XXXX XXXX case. I been contacted this company several times and tried to negotiate and allowed them to do the right thing without luck, illegally they towed my vehicle, later released and asked for apology. I have record of all incidents. All these been causing hardship to me and my family, afecting my credit score as well.
On XXXX XXXX, 2016, I received a letter from Allied Interstate LLC a debt collection company attempted to collect an debt unknown to me in the amount of {$48000.00}, plus {$140000.00} in interest. The alleged debt total was stated to be {$63000.00}. 

This is an outrage as I do not owe anyone this debt. The letter says that the " debt due is a charge-off '' of {$48000.00}. 

The original Creditor is stated to be XXXX. The Creditor is stated to be XXXX. The Account Number for Allied Interstate is listed as # XXXX. I have not had any business dealings with any of the above referenced entities. 

In my letter to Allied Interstate LLC, dated XXXX XXXX, 2016, I disputed all aspects of the alleged debt and the authority of Allied Interstate to pursue any action of any sort against me. 

I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and other consumer protection laws as well. They are attempting to collect a debt that is not mine. They are trying to collect some kind of non-existent debt from a securities " Trust '' of some kind - it appears. 

I also believe that they are threatening some kind of legal action, i.e., " If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : ''. It is my understanding that these types of companies try to initiate lawsuits without properly serving people with the required notices. 

Allied Interstate LLC also states that, " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 USC 1692 XXXX to sue to collect on a debt for which the statute of limitations has expired. '' EXPIRED!!!
I HAVE HAD FRAUD ALERTS ON MY REPORT SINCE XX/XX/XXXX. IN XXXX XXXX SOMEONE OBTAINED XXXX IN MY NAME. I HAVE SINCE SENT IN A COPY OF MY POLICE REPORT, RENTAL LEASE, CURRENT CABLE BILL ( XXXX XXXX ) SO FAR XXXX AND THE CREDIT BUREAUS HAVE YET TO DELETE THIS FROM MY CREDIT.
I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX
I and my family ( current and past ) members have received harassing phone calls froma person identifying themselves as XXXX XXXX, phone number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business phone repeatedly every day, sometimes several times in a row if no answer as well as my cell phone. I contacted XXXX and asked their address so that I could send them a cease and desist letter. The person I spoke with identified himself as XXXX and refused to give me the address due to security and privacy reasons. I continued to ask the address and he hung up on me. I called back and he continued to refuse to give me the address. Ten minutes later, I received 3 calls in a row at work and one on my cell phone from a different number, XXXX, left a message on my cell number advising he was the legal representation of XXXX and received a complaint on me and needed me to call back. I did not contact them again, as I didn't see the need in arguing over the phone whom was actually harassing whom. He identified himself as XXXX XXXX, phone number, XXXX XXXX.
There were  XXXX  unauthorized atm withdrawals in  XXXX  :  XXXX   XXXX  - {$400.00},  XXXX   XXXX  {$100.00},  XXXX   XXXX  {$200.00}, for a total of {$700.00}. The withdrawals were not in the city in which I reside nor did I authorize the withdrawals. I was at work the days of the withdrawals. Once I noticed my account was low, I looked through my statements to see what was going on, and that was when I called to report the theft.   XXXX  I filed a complaint with the bank, at which point they put the money into my account. Upon reviewing my account today -  XXXX / XXXX / 17 , the bank reversed the decision to refund my account, withdrawing {$400.00} and {$200.00}, with the {$100.00} claim still under review.   XXXX  Today,  XXXX / XXXX / 17 , I filed a complaint with the  XXXX  Police Department for identity theft. I did so because the bank told me that they could not provide the information of their investigation in which they determined I was liable for the money, nor could they provide the video from the ATM. They stated that I must subpoena the information, which can be done by the police.
equifaxXXXX XXXXaccount showing {$1200.00} monthly payment ( should be XXXX ) status showing 120 days late ( should be unknown ) remarks showing chapter XXXX bankruptcy ( should be chapter XXXX filed XXXX )
I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them.
I have a mortgage in which the legal description is incorrect. I have repeatedly requested that the company who holds the mortgage please correct the error. My title company has also sent an email request. All requests have been ignored to date. The house that has the incorrect legal description on the loan is showing up on the title for the property next door that I am trying to sell. I can not sell that property with the cloud on the title. I need Nationstar mortgage to release the title to XXXX ( incorrect legal description on the title ) and order a new title search and prepare a corrective deed for XXXX XXXX XXXX XXXX. The mortgage should be for XXXX alone. Again, all requests have been ignored. This needs to be serviced and Nationstar will provide no service or answers.
I was contacted by XXXX XXXX XXXX XXXX by telephone at XXXX PST on Monday, XX/XX/2018

I informed the original agent and the supervisor who stated that they purchased my account from XXXX XXXX that I owed more than what I originally owed. I do not have access to statements and believe that they were giving me false information over the phone to induce me to pay the amount owed. It is my belief that the balance owed is far less since the account was a secured line of credit. I offered to resolve the the debt if they would be reasonable about the amount. However this was not the case. I was told that this would remain on my credit report until I settled the debt, of which I still believe is the wrong amount.
" PayPal Credit '' gave me a credit line of {$1200.00} to make online purchases at many retailers including Ebay. This account was connected to one of my PayPal accounts which is connected to my Bank " MY COMPLAINT '' PayPal credit authorized and allowed the purchase of a television for {$440.00} from Ebay seller " XXXX '' and I chose the 6 mo payback option..But immediately following the purchase ( 5 minutes ) without warning they reversed the credit which sent the charge through all sources connected to my other PayPal account and my bank for immediate Payment.with not enough funds in my bank to cover the charge. They had no solution to help me. I had to beg and borrow from my friends to get funds in the bank to avoid NSF charges. .After 2 hours on the phone I find basically that no one can fix or explain what happened. Me and my bank account were held hostage to this PayPal credit scam. They finally used my refund from the Seller ( which I had to plead for ) as coladaral to make a Ghost deposit in my bank because my refund though in my PayPal account was n't available for three more days .I still cant believe this happened and that an institution like PayPal can hold a person and their bank account hostage for what I feel is Unfair Lending Practices to say the least. Please tell me that this is illegal and that an attorney will call me with the information on my lawsuit!!!!!!!!!!!!!
I allowed XXXX XXXX XXXX to work with Fed Loans for an income dependent repayment plan. I sent payments ( {$620.00} ) to them every month until I found out that I could make the same arrangements with Fed Loans directly. At this point, Affordable Life did not forward my payments to Fed Loan, because I did not allow permission for them to access my Fed Loan account. Affordable Life told me that if I did not work through them, I would have to pay {$1900.00} a month. At this point, I sent my tax returns ( 2014 ) and filed for another IDR. I did not hear back from Affordable Life and in the meantime Fed Loans reports 120 days late payments to the credit bureaus. I would like this negative and false reports removed from all three credit bureaus.
Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..
I have a Golden  1 Credit Union  Bank I had returned a smartphone back to  XXXX  last year and the manger from  XXXX  out of a  XXXX   XXXX  store did the return he was the  manger  and I was giving a recite for the phone and then I went to the bank to get the money for the phone to pay the bills and well the following week I noticed that my checking account was closed and I was not able too reopen it due to it going in to   XXXX   XXXX   XXXX   and well I get SSI and was only ever given a week at the beginning of month to deposit the money to the account and I had the paperwork saying I was only charged for one phone and paperwork for refund for  one  phone and for some reason they took  XXXX  dollars from me and I have banked with them for 6 years and I have been Paid the same for the whole time and the decided to only allow me  one  week so sad when I retur n one phone get recite for one phone and they charged me for three p hones.
XXXX  INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.