WillisBack/dataset-financial-user-claim huggingface dataset:
several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.
Bank of America set up a XXXX XXXX XXXX machine for me when I went to the bank in early XXXX. I went in the bank for a different purpose but I was rushed into signing up for the service. I was told that I can cancel at anytime if I do n't want it anymore. After several months of the service, I realized I was being charged fees even when the machine was not uses or used occasionally. Recently, my business account was closed with no explanat ion as to why. I then switched my service to a different bank since I cou is not bank with Bank of America anymore. Since then, I started receiving letters threatening me that I owe oover {$1800.00} and most recently that if I do n't pay, it will be reported on my credit. When I reported at the branch, I was told that there was nothing they could t hat all t hay can do iis to connect with with t he company. I did not understand this. I need to return the equipment and walk away from this deceptive arrangement.
Good afternoon. 

I deposited a check in the amount of {$3600.00} to my Fifth Third Small Business checking account on XX/XX/XXXX. The funds were withdrawn from the source account on XX/XX/XXXX. Fifth Third has placed a hold on my check because they say my account has overdrafted excessively in the past. It is my understanding that they may choose to hold my check for up to 10 business days, but they may not draw the money from the source account ( a XXXX XXXX business account ) until they allow the check to clear.

I have attempted to contact Fifth Third business banking customer service on three separate occasions about this issue. The first time, I was hung up on directly after explaining my issue. The second time, I was transferred to dead air, where I waited for five minutes just to be sure someone was not coming on the line ( they usually have music or talking on the line if you are on hold ). The third time, the woman told me my phone was breaking up and she could not hear me - I was on a cell phone, true, but I had full signal ( 4 bars on my XXXX ) and I am doubtful about the veracity of her statement based on my previous experience using the phone in the area. 

I would like to know if this is truly illegal, as I was informed that it is illegal by employees at XXXX XXXX bank when I inquired as to the status of the funds being withdrawn. I would also like to know if this is a systemic issue. I think it could be, because most of the time people who are told the hold on their funds is due to overdrafts in the past would be ashamed and would not pursue the matter further. Also, there is not usually clear communication between parties as to exactly what date funds are withdrawn from the source account. Finally, if this is truly the law, I think most consumers are not aware of it, as I was not until now and I consider myself fairly well-informed about financial matters. 

Thank you very much for working with me to resolve this issue. 

Kind regards, XXXX XXXX
This loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of {$500.00}. I have since revoked my ACH ( too early to know if they will abide ). 

Also, I have advised them that the legal amount that could have been charged to my loan is the principal amount, even IF their Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this means I am entitled to a refund of any interest I paid on all loans with your company. This means all of the following loans from the past : For example : **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$1000.00} and have paid {$580.00} to date. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1200.00} to the loan, so you owe me {$450.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1000.00} to the loan, so you owe me {$200.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$750.00} and have paid {$1000.00} to the loan, so you owe me {$260.00}. 

- for the loans from XXXX/XXXX/16 to today alone, you owe me {$500.00} back in overpaid interest ( what I overpaid in past loans less what I owe on the current loan ) t!!!!!! This does not include all principal for loans over {$500.00} ( as that is the maximum allowed in Florida )
A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for.
This Debt was proved not to be mine and was removed from my credit report before now its placed back on by another another collection company.
More than 365 days and ongoing, I have submitted legal documents to have my name changed on my PennyMac mortgage loan. I have mailed, faxed, and scanned via their secure portal my judge signed name change, copy of my state license reflecting the name, and a copy of my homeowners 's insurance showing that my name was legally changed in XX/XX/XXXX. In addition, I recently received a modification in XXXX where the documents I had notarized where in the last name XXXX, therefore, my problem is with settlement documentation. This request is important to ensure I am able to stay aware of my credit report for incorrect data and avoid fraud at all cost. I have been a victim several years ago of fraud and would like to avoid any and all opportunities for it to occur again. I am extremely confused because the receive and pay the policy which is submitted by XXXX under the last name XXXX. I would really like your assistance with having my information corrected. In addition, this service provider has sent correspondence to my address for their other customers. This is very scary for someone that should protect your information.
On XX/XX/XXXX I sent the agency a email explaining that I would be mailing out my payment. They responded on XX/XX/XXXX, this email response did not include the mini XXXX as the FDCPA ( 807-11 ) requires.
XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on Equifax and XXXX  as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX  as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as XXXX and XXXX as well as XXXX and Equifax are violating my consumer rights.
To the CFPB this is concerning a complaint file previosly against XXXX, but at this point this financial institution have involved and other financial institution, the name of the financial institution is : Deutsche Bank Trust Company locate at XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX. This financial institution do not have legall right or legall standing do to the fact they did n't recall any endorsment or assignment and now they come to be part of strime fraud committed by all previous banking institution involved. In violation of Respa, Tila, Fair Collection Practice Act.I would like for CFPB to do a complete criminal investigation.
I received a letter from Fay Servicing , LLC dated XXXX XXXX, 2015 that my mortgage loan was sold, transferred or assigned to a new creditor, XXXX XXXX XXXX. The date the loan was sold to the new creditor was XXXX XXXX, 2015. This is the third time my mortgage loan has been sold right before finalization of my deed in lieu of foreclosure resulting in multiple unsuccessful attempts to complete the foreclosure process. Not only is this frustrating, but I was not given the appropriate notice about the creditor change. I should have been given no less than 15 days notice before the effective date of the transfer.
I have had someone fraudulently sign up for a credit card twice at Chase bank. The first attempt they were able to open the account. I put a fraud alert on my account and after the 90 days, the fraudsters did the exact same thing. Chase Bank is telling me that it 's because they are getting amazon gift cards the fraudsters are applying for cards. Chase 's system catches it but still leaves a hard hit on my credit card.
We had a home built by XXXX XXXX XXXX in XXXX, NJ.in XXXX. The materials used during the process are off gassing a toxic gas called formaldehyde. Specifically the floor joists manufactured by XXXX. They are called XXXX joists. XXXX XXXX  was made aware of the problem and also made aware that with these products are in the home, the home resale value is much lower now because of the mere fact that these are in the home. The joists have been sprayed with a grey paint by a contractor hired by XXXX which was applied very poorly. It did not meet the standards that they set for the application of the paint. They came out a second time to repaint the joists. After a recent home inspection to check the air quality and what the white substance was growing on the joists, we noticed an electronic devise operating within the problem area. After research we found that the device is designed to eliminate formaldehyde  within a room of 2000 square feet. This devise was installed for no other purpose than to skew the air quality results. Even though that devise was present, the air quality still tested high. 
The tax accessor has devalued the property because of the problem, and the township has not given a certificate of occupancy because of the problem. The home is obviously worth much less than the loan amount. Anyone that is aware of the problem agrees that the home is devalued. 
XXXX XXXX  does not see it that way and have been trying to force me to close on the construction loan a transfer to a conventional loan. I have been making the payments per the loan agreement but in XX/XX/XXXX they stopped accepting my checks and actually refunded one of the recent payments. Then they sent me to collections which affected my credit score dramatically. I really need someone to have them to do what is right. 
Thanks
I 'm currently finishing my XXXX XXXX enrolled full-time in an accredited university, and Navient has begun charging me for my XXXX loans. I 've explained to them that I am still in school and not working, and was told I could be put on an interest-payment only plan which would amount to around {$30.00} a month compared to {$150.00} a month. The next month, I was again charged the full amount and when I called them they said oh no I was not eligible for that plan. I pointed out that that was a direct contradiction to what I had been told the previous month. I was then told I do not qualify for any lower monthly payments but that I could apply for forbearance. I have tried to work with them, pointing out that I literally have no money coming in with which to pay them, but I was told I could either pay to put the loan in forbearance or I would have to pay the monthly fee.
I have false Hard inquiries on my equifax report. I called them, I was told to contact creditors. I did. They could not find me in their systems, because I had never been a cust., and had never applied for anything. They said to call equifax and file a dispute. Equifax said the same thing again, nothing they can do, you can't dispute a hard inquiry, call creditors. I did that again. I have spent 4 hours on the phone and have gotten nowhere. It is a continuous circle. With no recourse. Exquifax also has my address wrong. They said that one creditor must have had the info. wrong when they updated my info. One out of 6-7 has it wrong so I am locked out of Equifax website. To correct it it takes an act of congress. How can one mistake, by one group mess me up like that? The biggest problem with dealing with equifax is the call center they use doesn't have people that speak good enough English to understand what I am trying to ask. They just keep repeating the answer to an irrelevant question, with no help of any kind. It is infuriating, someone somewhere has to be able to help me correct my report.
XX/XX/XXXX I was a victim of Bank Fraud. I was issued a fake check and the check was deposited in to my Bank Of America account at that time and the check was returned obviously and without any notice or phone call or investigation my name was reported to XXXX. Since XX/XX/XXXX I have made so many attempts to have this matter resolved and Bank OF America has ignored every single attempt. XX/XX/XXXX I hired an Attorney to plead my case and a letter was mailed on XX/XX/XXXX and that has also been ignored. I need to open a bank account. None of this was my fault. I was a victim in this case. No one has reached out from Bank OF America to help resolve this matter. They did not even bother responding my attorney 's letter. That is how bad they are in every aspect. I need my name removed from the XXXX database as soon as possible.
On XXXX/XXXX/XXXX I contacted PRA to discuss the status of XXXX accounts that are in currently in dispute, accounts ending in XXXX and XXXX. Initially my phone call was received after automatically stating that the phone call " was an attempt to collect a debt '' even though these alleged debts are actively in dispute, and are not to be collected on while being in dispute. 

Next, my phone call was transferred to and answered by the " Litigation Department, '' in yet another attempt to collect these debts, a technique they have already been cited for and fined for by the CFPB for back in XXXX through the CFPB-PRA Consent Order of XXXX.
Commonwealth Financial Systems ; Collection Reported XXXX ; Assigned XXXX ; was disputed with another collection company by the name XXXX XXXX for {$360.00} ) XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the XXXX that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!
I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact Equifax and XXXX, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.
I have a Capital One Platinum Mastercard Secured Credit Card ending in XXXX under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. I closed the account back in XXXX, 2018 and asked for the secured deposit to be returned. They said it would be a 14 day wait. I have called numerous times since then and am always told they will open up a ticket and I must wait 14 days more. The day before yesterday I was told on a recorded line that I would get back my {$200.00}. This is considered an oral contract. The next day when I called the new agent said they can not find the funds and refuse to send the signed receipts of charges against the account and said I needed to wait for another investigation to see whether I would even receive a refund.d This is considered a breach of contract. How could I have a secured credit card without funds behind it? I was on the phone yesterday for over 1 plus hours, transferred to four different departments and the last operator said she did not have a manager and could not transfer me to a person of authority. She said she would hand it over to yet a fifth department and I would have to wait and see. I have spent many hours on this project and have not received my own money back given in good faith. This run-around and getting different answers borders on illegal activity and certainly poor customer service and gives little accreditation to this institution and let the buyer beware before opening credit accounts with Capital One Bank.
Today I was forced to purchase a report from experian in order to be able to dispute some accounts on my report. 
after obtaining the report that came with no number, I called the phone number on the report. 
after almost 20 minutes on hold, I was able to speak to a live person and was told that dispute department has shorter hours and I have to call back on Monday. 
The accounts being disputed has been removed from other reporting agencies, so far Experian refusing to remove them, based on dispute I submitted 4 months ago.
The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.
On XX/XX/XXXX I sent a certified letter to this company address that was provided to me on my Transunion credit report. 

I requested that XXXX removed the unauthorized inquiry on my report. 

I also contacted Transunion through a Certified mail prior dispute process to investigate the unauthorized inquiry and they stated that I must contact the furnisher directly. 

Do to Transunion response I filed a complaint with the CFPB on XX/XX/XXXX XXXX to address the issue that XXXX has not replied or attempted to correspond to me about the inquiry. 

On XX/XX/XXXX CFPB replied stating they were unable to send the complaint to this company because XXXX was not in their complain system, and that the complaint was sent to the FTC and to the Consumer Sentinel Network. 

This company has violated my rights and has not answered to my correspondence within 30 days which is more then enough time to provide any form of consent or written signature on any application for credit showing I consented to this inquiry. 

This is a unauthorized inquiry that Transunion now needs to remove from my credit report.
Good day, In XXXX of XXXX I found that the Franklin Collection Service , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MS XXXX, had placed on my credit a notice of collection from XXXX XXXX XXXX for a debt of {$73.00} that is not mine. I contacted them immediately as soon as I found out about the collection attempt. Basically, they are requiring me to prove that the debt is not mine. 

To date, they have refused to remove this erroneous collection attempt from my credit record. What follows is a recent email that I sent to them : '' To Whom It May Concern, On Saturday I received from Franklin Collection Service , Inc. a copy of an XXXX invoice dated XXXX XXXX for an address in XXXX XXXX, Michigan with my name ( or another XXXX XXXX ) on the invoice. Know that I have lived at my current address in XXXX, Michigan for THREE YEARS beginning in XXXX of XXXX. My current address is XXXX hours from XXXX XXXX, Michigan. 

Prior to that I lived in XXXX, Michigan from XXXX XXXX to XXXX of XXXX. Prior to that I lived in the XXXX, Michigan area all of my life. I have never lived in XXXX XXXX, Michigan or even in XXXX XXXX, nor have I owned or rented property there. Clearly someone has used my name to initiate service at an address that I know nothing about. I have never requested service there, signed anything asking for service there or given anyone my permission to do so. 

Unless you are able to produce documentation showing that I initiated service at this address in XXXX XXXX, Michigan you are obligated under the Fair Credit Reporting Act to remove the derogatory information that you have erroneously placed in my credit file. My next act will be to file a complaint with the Federal Trade Commission. 

Thank you in advance for your prompt attention in this matter. Please respond to me within XXXX hours indicating how you wish to proceed. If I hear nothing by the end of the week I will file my complaint. " At this point I am frustrated as I am also attempting to secure a mortgage and this issue is causing significant problems.
I usually check my credit score with my credit card companies such as XXXX card, XXXX XXXX, and XXXX banking. My discrepancy is with Experian. I had an credit score with that Co.. of XXXX. That was a month ago. I have had no major changes to my credit, ... and have never been late, ... .but my credit score has dropped XXXX points and the company Experian won '' t give me a substantial reason as to why? I have had credit for over 20 years and have never gone over half my credit limit or come close to maxing any cards. Would you please look into this and give me a reasonable explanation? I understand that Experian was hacked not too long ago, ... .could this have any bearing as to why my score dropped XXXX points in a months time.? from XXXX to a XXXX?
I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.