WillisBack/dataset-financial-user-claim huggingface dataset:
I started my current job about a year ago. Around that time I submitted a form to transfer money from XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX to my new employer 's HSA at XXXX XXXX. XXXX XXXX pretended that they never got the form to transfer the money to my new HSA and instead kept deducting a monthly management fee. I called a few times and they always said that the transfer was " being processed ''. After months of the run-around, they claimed that the form did not have all the information necessary so on X/X/17 I submitted a new form. Again, after a month of waiting they did not transfer the money or call me to explain why they were keeping ( and slowly draining ) my account. When I called XXXX XXXX, they said they sent the form 3 times and had no idea why XXXX XXXX  was refusing to initiate the transfer. So, we called and supposedly straightened this out with XXXX XXXX  customer service. Everything was supposed to be all set. Today I called again because the money had still not been transferred. I was told now that the form submitted was " illegible '' and that they had tried to call me but " there was no option to leave a message ''. That is just a straight up lie. I have voicemail set up on my cell phone. Now they tell me they are going to charge me a {$25.00} fee to close my account or transfer the money. This is ridiculous. They are leeching the account maintenance fee off of the account and trying to make it impossible to transfer the money out so I get bored and just decide to let them keep it. The fees are ridiculous and the refusal to transfer the money is exactly the kind of abusive practice that the CFPB is designed to combat. Please investigate. I am sure that they are making a large profit off of this account maintenance fee scam they are running.
Unknown inquiry on my credit reports from Ally Bank XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or any account by this organization! Nor do I know who they are. Also, I have a identity theft report filed with my local police department.
Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows. 
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ). 
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations. 

Sincerely XXXX XXXX
The bank closed my account unexpectedly my payroll check was deposited into that account it 's been over a month and I have not received it
About 3 weeks ago I received an email saying my loan was pending with castlepayday. I ignored. Within the hour another email arrived saying the loan had been approved. I called the number in the email and told them I never applied for a loan, the agent said it was just an offer. I proceeded to delete the emails. On XX/XX/XXXX I noticed that castlepayday had deposited {$900.00} into my checking acct. I called my bank, XXXX, and asked what to do. I also filed a complaint with the FTC and contacted an advocacy group. At this time I had no idea how to contact CPD however in the meantime XXXX was watching my account and did a stop payment so castlepayday could not takeany money out of my account as a precaution. XXXX also made arrangements to return the money to CPD as soon as it finished processing. 2 days later the loan processed. I now had a contact number for CPD and called them and told them I never applied for a loan and they would receive the funds of {$900.00} back within 5 business days. I spoke with a XXXX, supervisor, who assured me they would not take any money from my account and would close this and erase me from their system. On XX/XX/XXXX castlepayday.com withdrew {$310.00} from my checking account. The name now included .com and the system only knew to do a stop payment on Castlepayday not castlepayday.com. XXXX has been contacted again and explained to me how CPD got around my account. I called CPD and requested the money to be returned since they were never authorized to take money from my account. CPD kept insisting that they needed to verify the funds were removed by talking to my bank or checking with my online banking or having me send them a bank statement. I refused all XXXX since they already have this in their system. I told them I was not going to give them any additional information since they had what they needed to get into my account. For some reason they kept insisting they needed the info so I asked for a manager since the agent was n't getting that they have the information including my {$310.00}. A manager named XXXX finally got on the phone and she requested the same info I told her know that they already have it so she is suppose to contact their research team to look into this and get back with me on XX/XX/2015 in the meantime my bank is blocking them from having access to my account under CastlePayday.com. I have no idea how they got my banking information or what gives them the right to take money from my account without my permission.
I applied for the national student service forgiveness program ( XXXX ) they are from XXXX California. They had me pay an admissions fee for them taking care of my account ( XXXX dollars ). i have been paying XXXX dollars a month since XXXX.They have done nothing to help me and have actually hurt me and my credit severely! I had no contact with them til i learned that my credit was severely impacted. The information they had ( email, telephone number, address ) were all wrong and they were not updating my information to the federal student loan people. So i was no receiving any information that i needed to know. i had called to see what was happening and they told me i needed to renew my account after a year. well it had only been 6 months. I was told that i had to send in my pay stubs in ( i faxed them ) order for them not to send my information to the credit bureau. Well that was also a lie, that night i checked my score and it had dropped XXXX pts. Ive sent this company my pay stubs, my information, my social security number as well as my bank account number. In the process they were not communicating with the XXXX XXXX XXXX, who are my actual loan holders, so i learned that i was supposed to be making payments and i never did because this company told me they were handling my account. So on my credit report i was told that i was 120 days late on payment, when in reality i was told that i would not need to make a payment. NBP put a forbearance on my account which the federal loan services noted they did. I was also told that after 10 years of paying ( NBP ) i would have all my loans forgiven. well that was also false because i do not qualify for that type of forgiveness.They are a fraud and never give you the information you need. They told me i could get the public loan forgiveness program when i only qualify for XXXX of the XXXX requirements for this program. It makes no sense to pay a company to help you maintain your loans when they just hurt you in the process. The federal student loan services have helped me understand why this company did what they did and now i think it needs to be noted that they cant keep doing this to students who are struggling to pay for their loans.
I was contacted by Integral Recovery Services and they claimed I owed {$190.00} for a collection stemming from an outstanding fine in XXXX County, Colorado from XXXX. I obtained the case number and contacted the XXXX County Court to verify the information. The court informed me that the alleged ticket ( which I believe I paid in XXXX ) no longer exists, as the paperwork regarding my case was old and has since been destroyed. They claimed that they were audited in XX/XX/XXXX and as a result of that audit, they determined that my fine was delinquent because they could not locate record of payment. I told them that this was concerning, as they could not prove that I owe them anything, but they sent it to a collection agency anyway. She responded with the challenge, " well do you have YOUR receipt? '' I responded that I do not, but I 'm a private citizen and I 'm not responsible for maintaining proof of my innocence in a matter that was 7 years ago. I also raised my concern that no good faith effort to collect this amount I supposedly owed was ever made prior to sending it to collection. My information is not difficult to find ; I 'm a registered voter, I have a current driver license, passport, etc. 
Once it was clear that the court would not deal with me on this, I called the collection agency back to pay the amount and get it over with so that I do n't have an open collection on my credit report. The representative with the collection agency refused to allow me to complete the payment until I had provided not only my current address, but also my current employer. I told her that I failed to see why that would possibly be relevant and she responded that I could call back and settle the debt when I was willing to tell them where I work. She also said, " if you 're taking care of this debt, you should n't be worried about us knowing where you work. '' Furious, I said that it 's incredibly inappropriate to dictate to people what they should n't worry about, especially personal information in the hands of a combative, unprofessional cadre of debt collectors. I finally gave in, told her where I work, and paid the full amount they CLAIM I owed. She also said that they do not report to the credit agencies, which is patently false. I was requesting that this be deleted from my credit report upon payment and that I be provided a letter stating as much. Her response what that the collection agency could not assist in that matter because they do not report to the credit bureaus at all and I would have to deal with the court. The court had made it clear on my earlier call with them that they could not deal with me at all in this matter and that all resolution would have to be accomplished directly with the collection agency. 
Now this will be on my credit for 7 years and nobody can show that I owed ANYTHING, but with it already being in collection status, I felt I had no choice but to pay it and prevent it from reporting as an open collection for any longer.
Hello : I 've been to Bank of America at XXXX New York XXXX three times in the past 6 months to cash a large check up to {$5000.00}. Each time, I was treated with extremely rude disrespect by that branch manager. He accused me of trying to cash a check that was n't real and treated me as if I were a criminal. Each check I submitted for remittance was indeed legitimate, but I had to go elsewhere and spend money to cash them. I truly hope that the manager of this particular branch gets a lesson on how to treat customers.
I find there is a XXXX Inquiry from XX/XX/2018 on my Equifax report. I didn't authorize this one. Please delete it.
After receiving an email alert from XXXX XXXX, on XX/XX/XXXX, I noticed a negative mark on my credit report, from XXXX, XXXX XXXX and XXXX, reported by Diversified Consultants, Inc. XXXX. XXXX XXXX XXXX, FL. XXXX ( XXXX ) XXXX. I immediately called them and spoke with XXXX XXXX, who did not provide me with an employee ID, and was told that my social security number was attached to the following address : XXXX XXXX XXXX XXXX, IL. XXXX. I told him that this address is not mine nor ever was my address which must be a fraudulent address. XXXX XXXX then told me to call XXXX XXXX Fraud department at ( XXXX ) XXXX, which I did and talked to a XXXX XXXX, who also did not provide me an employee ID and she filled out some form and said I would receive something in the mail which I would have to fill out and mail back. I then asked if this is an XXXX XXXX account, why is Diversified Consultants, Inc. reporting on my credit report. XXXX said that she had no idea but that the fraud department would handle it from here. XXXX XXXX had told me that this account was opened on XX/XX/XXXX, so why is Diversified Consultants, Inc. reporting a 10-year-old account that isnt even mine on my credit report? Ive also never received any letters or any other information about this account which has my name and social security number attached to it. So I am asking Diversified Consultants, Inc. to  verify this alleged debt as required by the Fair Debt Collection Practices Act or remove it immediately.
On XX/XX/2018 Bank of America, charged me a late fee of {$25.00} for my account ending in XXXX. I had submitted my payment on the XX/XX/XXXX but kept getting an error message. It said I had to enroll in bill pay. So I had to go to the full site and then use the mobile site to make the payment. This was not a payment I submitted lay but due to a glitche on Bank of America site.
I financed a truck with my now ex-husband. In my divorce I received the vehicle and was making timely payments until I lost my job. The finance company came and got the vehicle. I paid what I was behind to get the truck back. After picking it up I discovered that the transmission had been destroyed in the towing process and would cost me nearly {$4000.00} to repair. The finance company and towing company refused to help me resolve the issue and I sent the truck back. The finance company now says I owe more than I originally financed, claims to have sold the vehicle but refuses to provide me with documents showing in detail what it was sold for and what I owe. They call me and harass me every day and still refuse to provide me with documentation, even though it has been nearly a year since they originally picked up the vehicle.
Ordered a product from what I thought was a reputable business and have since found out that this business ( XXXX XXXX, XXXX located at : XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA ) is a scam. I 've called my credit card company and they have n't done anything about back charging this business for the product never have been shipped to me.
A company called XXXX XXXX is calling asking for self reporting information under the umbrella of the Veterans Approved Act. They are calling as a third party on behalf their " preferred lender ''. Passing information to XXXX ; quoting rates and closing costs without making application. XXXX XXXX direct dial XXXX fax. They are collecting data for the creation of a loan application without being a LICENSED mortgage company. I have requested NUMEROUS times that they remove me from their calling lists to no avail, therefore I have decided to gather more information from them in the hopes that your group will take action to ensure that NO other Veterans and their families are swindled by the group and the lenders that the refer to.
After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program.

After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. 

After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. 

I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX   towards my loan forgiveness, and have rejected my application. 

My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX  XXXX XXXX has since raised my payments to over $ 500/month. 

It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.
On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
XXXX via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Phone number not available Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXXXXXX //////////// XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX, XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXXXXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX /////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX //////// XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : XXXX XXXX XXXX : CREDIT TRANSACTION XXXX On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry XXXX : Individual Requested On : XXXX /////////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number not available Inquiry Type : Individual Requested On : XXXX, XXXXXXXX, XXXXXXXX ////////// XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////////// XXXX XXXX via XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX ////////// XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX Equifax XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX XXXX XXXX  Requested on : XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX
I 've had serious issues with Comenity Bank rejecting my payments and reporting me late to the credit bureaus over it. I am under hardship programs to get my my balances down, due to the fact that, constant XXXX ups with the and then they claim that it was my bank rejecting the payment. My bank got involved and stated that any rejected payment would have had me paying fees, which, there was not. Some of my accounts would take the payment out just fine, but, then there were others, with the same exact bank number, they stated, the bank rejected. I filed BBB complaints on several times and a lady said she was removing all lanes from my credit report and the late fees. She told me that it would take a few billing cycles for both to clear. She removed the fees but, in the end, decided that she would n't remove the mark on my credit reports. During the year of 2016, many time when I would go and log on to my different accounts, the site would n't allow me to make payment and even, at times, would n't allow me to log in with my correct info. I found that the sites would suddenly work AFTER my due date, which, gave them another reason to apply more late fees. I decided that putting ( XXXX ) of my accounts in a hardship program would help me, because, they would drop my interest rate and I would be able to auto pay with them. This company does NOT offer auto pay on their websites, but, they will if you got on XXXX of their programs. Over the past few months, I noticed that I would get credit report alerts and when I checked, Comenity, even after me being on their hardship programs, would put a late on each month. Now, nowhere in any of the conversations with several customer service representatives did they mention that they would place a late on your credit report as they put you on their program. If that were the case, I would n't of ever signed up. There is even a computer that discloses all that we agree to at the end of the call and it never mentions this. I 've checked online and I have noticed that everything I 've gone through, there are tons of pages of complaints of it being done to others. It is not fair that they punish us and punish us without telling us that in our agreement. I even have the agreement on paper and it never stated that we would be reported to the credit bureau while on the program.
I filed completed and paid my bankruptcy a couple of years ago. I went to get a new car and when they pulled my credit report it said that I was 120+ delinquent on my XXXX XXXX XXXX for {$3200.00}. I had to have my lien released to me for insurance purposes and so I had to call the XXXX customer service. They did not say anything about a past due amount and release the lien to me. They would not have released the lien to me if I owed them money. I know that I do not owe because the final report of my bankruptcy stated that everything was paid. My husband and I are trying to refinance our home and we ca n't do that because if this error on my report. I have attached a copy of Paid Chapter XXXX report.