WillisBack/dataset-financial-user-claim huggingface dataset:
Many banks ( XXXX XXXX XXXX XXXX - began XXXX - personal funds, XXXX XXXX - from personal deposits XXXX. XXXX - SSD deposits began in XXXX XXXX to current ', XXXX XXXX - XXXX personal check, BBT Bank deposits were via DoD, XXXX XXXX XXXX XXXX stolen funds from sale of personal fraud - sale of jewelry, XXXX XXXX XXXX , XXXX , XXXX ) other Banking Institutions have also been utilized, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX utilized since XXXX XXXX - utilized in XXXX County & XXXX , XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX ) These banks were utilized for depositing funds from work performed thru DoD, XXXX, XXXX, XXXX sale of XXXX, funds continued - in XXXX XXXX - located in XXXX, XXXX ( XXXX XXXX, XXXX XXXX - contract Admin, ). As the total accumulation is Insurmountable - began in XXXX ). The majority of funds, while deposited by me, they were stolen by XXXX XXXX XXXX - SS # XXXXwere depleted!!!! pp
Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Have police report.
On the morning of  XXXX   XXXX ,  XXXX  I was alerted by   XXXX   that a negative credit item had been added to my report. I subsequently learned it had been added to the other credit bureaus, as well.     They are claiming I owe {$1000.00} from alleged  medical services  performed by the   XXXX    XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX   ( three  years ago ). When my wife spoke to them this morning, they claim they purchased the debt from a company called "  XXXX . '' I have never had any contact with either the physician group noted above or any company named  XXXX  about any debt. Seems like if this was a legitimate debt, it would have been placed for collection three years ago. Even if this were legitimate, I can not go back  three  years and determine what happened.     I called the billing company for the physician group listed today and they have another  XXXX   XXXX  in their records, but none with my date of birth or address.
I transferred XXXX {$200.00} to XXXX on XXXX, XXXX, 2015 using xoom ref # ( XXXX ) The funds was picked up that day in XXXX and They sent me a text message and email message stating that my transaction was completed. Normally when I use their services the take the money out of my account within days if not right away. This time Xoom took one Month to widthdraw the funds by then I had insufficent funds in my account due to their negligence. I did the honest and right thing since my receipient had already got the money and I made arrangements to pay them right away and asked for my insufficient funds fee to be refunded to me since it was their fault. They asked me for proof and I sent proof to them that the money was paid out the moment I sent it alsocopies of my bank statements showing the Charge on their request. Now they have refused to reimburse me stating that they can do a 3 way call with me and the bank and ask my bank to waive the fee which is their administrative error. I respectfully ask you to look into this matter.
Select Portfolio Servicing at XXXX Account Number XXXX On XX/XX/XXXX, I signed papers to turn a house, XXXX XXXX XXXX, XXXX, Md, XXXX to this lender under their deed in lieu of foreclosure program. I signed the deed in front of a notary with an attorney reviewing the papers. They wanted the house available as of XX/XX/XXXX. The property manager, XXXX XXXX, XXXX had everything ready for them and no-one showed. They have since missed several appointments and treated the property manager very unprofessionally. 
But the house is sitting empty all this time and things are happening. The company gave me tax forms stating that the house was transferred in XX/XX/XXXX and I filed those forms with the state of Maryland and the Federal government with my tax return under the advice of a CPA. But the company still has not taken the keys from the property manager and expects me to keep up the vacant house. It has been over six years for this servicer to make up its mind about the house. Even filling out and signing the deed has not gotten rid of this house even though I had it broom clean on the day they asked me. 

Back when I was going through the loan modification process, they told you I did not file the papers, but that assertion was incorrect. They continued processing the modification after they told you I had not completed the process correctly and later turned down the loan modificiation. Now they wanted to take the house but expect me to keep it up after I signed the deed over to them and filed my tax return with their information.
On or about XXXX I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization ). On XXXX I received a letter from the creditor stating that the account would be removed from my credit accounts. As of this statement the account was removed from XXXX credit bureau but remained on XXXX others- XXXX and XXXX XXXX I will attach the correspondence from creditor showing they agree to remove this account from all credit bureaus.
I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT
I do n't have any recollection of this debt. I sent a debt Validation letter to the collection agency and received no response. The letters were sent in XXXX XXXX. All I wanted was this debt to be remove from my credit report as I do not owe it! The amounts were {$210.00} from progressive, {$130.00} from The general insurance and {$220.00} from the general
I currently have my loan serviced with great lakes, the website is very hard to understand, nor is there a way to see an amortization schedule to see how much principal/interest I am paying into the loan, there is also not a way to pay down principal which seems to b e in violation of the higher education opportunity act of XXXX.
I want to file a SECOND Complaint against Bank of America for the deceitful, dishonest and corrupt method in which they have continued to processed my loan modification, which resulted in another denial. I have faxed all requested and repetitive documents to the loan modification department for quite a lot of month, turning into several years. I was constantly transferred to different Bank of America representative / agents, I believe this is clearly a violation of the HAMP Eligibility program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and codes 4.1 & 4.2 ( Single Point of Contact ). 

My husband, a Veteran of XXXX, suffered illnesses as a result and was diagnosed with a medical condition making it impossible for him to work causing a horrendous hardship. I believe as a Veteran he should be given special consideration per the Veteran 's Administration 's own guide lines. XX/XX/XXXX I desperately call my lender/ servicer Bank of America requesting assistance with our loan due to my husband 's illness. I implored for help I was distressed and anguished, this entire process has become a nightmare. I truly believe once I followed their directive I would be approved for a loan modification, I have continued to plead with Bank of America and explain our difficult situation to no avail. 

In addition Bank of America has persisted to deny our loan modification ; I presume Bank of America 's action is to make it unworkable, impossible for us to get a loan modification under the HAMP program making it impossible for us to keep our home. 


I strong believe Bank of America is not in compliance with the government standards and codes, therefore I ask that you apply your regulatory authority and re-evaluate Bank of America polices and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program, it is my believe their underlying guide lines contains misrepresentation, deception and violation of The Truth in Lending Act-TILA this is federal law was enacted XX/XX/XXXX with the intention of protecting consumers in their dealing with lenders and creditors. 

Furthermore I think Bank of America is in violation of the guide lines of the Emergency Economic Stabilization act of XX/XX/XXXX and Foreclosure Relief Act of California Senate SB 1137 and Cal.Civ.Code 2926.5 & 2924 and I fall within the aforementioned guidelines. 

The lack of willingness to assist home owners, specifically those who have served our country and suffered gravely illness and are the Veterans of XXXX and are going though a crisis, this should not be tolerated by your organization. Bank of America has demonstrated once again we are insignificant to them they lack customer value and fail to respect our Veterans of XXXX in crisis.
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
I am livid that Experian charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring Experian and its executives to account for this.
We have attached court documents which stipulate payments to quicken loans. After our home went into foreclosure through no fault of our own AND we were force to pay nearly double the amount of what we owed ; from {$5700.00} to {$10000.00}. We are furious as well as exhausted from going back and forth to court without a decent attorney guiding us. After we believe this was settled and address, we have gotten a letter from quicken that we are 49 days past due ... .although payments have been sent each month per instructions of court stipulations. In addition, this is exactly what XXXX XXXX was afraid would happen and directly ask the attorney if this was a possibility, for which both sides replied no. I will file an emergency with the court clerk to address this issue. Finally, also attached is a copy of a check sent by quicken loans for an over payment.
This has to do with EQUIFAX, In the past week Iv'e called Equifax at least 3 times now in regards to Credit Fraud ( INQUIRES ) on my credit report. Everytime I call there they keep transferring me to somebody different to talk to in the the Special Handling Department!!!!! to handle my complaint which still has n't been taken care of as of toDAY .... All 3 times EQUIFAX!!!!! said that THEY would do their investigation on my Fraud INQUIRES my investigations all XXXX would be closed out in a couple of days. ACCORDING TO THE ( FCRA ) SECTION 611. WHAT EQUIFAX DID TO ME IS ILLEGAL!!!!!! THE FCRA SECTION 611 STATES " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, CONDUCT A RESONONABLE INVESTIGATIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION INFORMATION IS ACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( XXXX ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER ''. In other words, when you make a dispute, they EQUIFAX MUST!!!! investigate it free of charge within 30 days that 's 30 DAYS $ $ $ $ $ or delete the items. If they do n't have proof of their validation, they EQUIFAX have to FIX the problem ... ... ... ... .... 
FRAUD INQUIRES THAT NEED TO BE DELETED 1. XXXX BANK 2. XXXX XXXX XXXX 3. INFORMATIVE RESEARCH BANK OF CALIFORNIA XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX CU 6. XXXX XXXX CC ( XXXX ) 7. XXXX
I have received calls from Midland Credit company since XX/XX/2015. They do not ask for me by name but say they are trying to collect a debt. The same number of this company has called me every day for the last several weeks. The number they used before in XX/XX/XXXX was XXXX. They are now calling from XXXX. I spoke to a manager XXXX XXXX and requested that they remove my number from their call list. This is the third time I have ask them to quit calling my number. They have never complied. I HAVE NEVER GIVEN THEM MY NAME AS THEY DONT ADDRESS ME BY NAME! All these people have is my phone number to continue to harass me. They all sound like they are from XXXX.
I submitted a dispute requesting outdated adverse information be removed from my credit report. According to the FCRA section 605 [ 15 USC 1681c ] subsection ( a ) paragraph 4 the information should be removed. I attempted to have the information removed by fax on XXXX/XXXX/2017, by mail XXXX/XXXX/2017, and finally by phone with XXXX on XXXX/XXXX/17. The information was updated and not removed on the first two attempts. I have not received a response from the last attempt and the 30 day processing time has expired.
I also requested the method of verification used each time and I did n't receive the information on any of the above occasions. They have violated my rights.
I provided them with a detailed letter indicating my request and the section of FCRA that applied to my situation. I also included : a copy of my state issued identification card, credit report, email communication sent from the company, and my payment history. They ignored all of the supporting documents and continued to report the adverse information that is negatively affecting my credit rating.
Paymap Inc. issued me a {$240.00} reimbursement check due to the practices regarding the Equity Accelerator Plan. I thought this was junk until I gave Equity Accelerator a call regarding adding their services back to my mortgage because I canceled it a year ago, that 's when I was informed by their automated system of the refunds. I went through old mail that I have to shred and found the check. The check is not valid so I am asking for Paymap to reissue the check. I called Paymap to reissue the check and was told the deadline was XX/XX/2016.
Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.
I've got a student loan for my son in XXXX and I've being paying for it sins then. The loan was sold a couple times. My current Servicer is AES sins XXXX. I've asked them in the past to send me amortization letter to better understand what exactly I'm paying for. I thought Truth in Lending Act requires lenders to provide you with loan cost information, by they told me they don't do this. So they kept me in the dark. So convenient! 
My son has passed, but I still make accurate payments. Over sudden I've got email from them stating I have to pay almost double amount monthly. So I called. The Lady told me THEY JUST FOUND OUT I was paying interest only for all this time and now it's time to start repaying the principal. She said it was not only me, there are thousands like me in the same situation. What a surprise! For all this years I didn't know I'm making just an interest payment. To know that thousands of us are in the same situation doesn't help. 
They also lowered my interest rate down to 4 % a few years ago, but on statements it's still shows 4.25 %. The same Lady told me don't worry, we charge 4 %. How do I know? I don't trust them. 
I fill now like they rip me off.
In a XXXX  store ( Jersey City ) I made a purchase of {$30.00} in XX/XX/XXXX using XXXX XXXX XXXX store credit card. I did not receive any email notification on my account status in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX regarding outstanding balance and/or late payment fees. 

Today, XX/XX/XXXX I reviewed my account and discovered late charges for $ XXXX.I spent several hours trying to speak with a representative to resolve this issue and either they hung up on my call or kept forwarding. 

I refuse to pay this amount as I had no idea that I even owed {$30.00} in XX/XX/XXXX. Let alone a staggering amount of {$100.00} late charges. 

I request CFPB to help resolve this issue and ensure bad business practices such as these are eliminated so another consumer does not have to go through this nasty experience. 

Thank you.
XXXX XXXX issues a credit card in collaboration with XXXX that claims no interest on purchases of XXXX products. I have previously used the card successfully. Recently purchased an XXXX computer and paid balance on time in 3 installments. XXXX XXXX charged interest nonetheless. I objected but they insisted that original payment terms did not apply.
I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX  XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, Equifax and XXXX all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
I have not heard from anyone. I would like to know what is going on. I have called twice and would like to know what is up. I need to get this solved. I have tried and tried to get ahold of someone. I would like to get my credit card taken care of ASAP.
I am filing a complaint against Experian. I have filed a dispute with Experian in regards to inaccuracies on my credit report. There is a hard inquiry for a company name XXXX - XX/XX/2018. I did not authorize this inquiry nor know what the company is. I have researched it and contacted them which they stated to dispute with the credit agency. I contacted Experian and they stated I would have to contact the company which I did and got the response tomdislute via the credit bureau. In addition there is a bankruptcy on my credit report that I disputed and Experian states they verified it with the US Bankruptcy court. Which is a lie because I contacted the court and they stated they did not verify bankruptcy. I requested this in writing from the court and sent to Experian. In addition, I have provided proof that my XXXX  student loan was in deferment during the month of XX/XX/2018. However, they are showing 90 day late payment for XX/XX/2018 but on time payment for XX/XX/2018. That is conflicting, if my payment was 90 days late in XXXX why is XXXX showing good standing. My student loan was in deferment From XX/XX/2018 - XX/XX/2018.
I called to discuss lowering my payments to an amount I could afford. Was told to fill out numerous forms online or create an account on Navient to do so. I stated I can't afford the amounts they keep suggesting.
I am a trustee for my friend 's son. He decided to move XXXX miles away. I went to Wells Fargo bank ( XXXX XXXX, NJ branch ) where I deposited {$500.00} cash and a check for {$1500.00} into his account on XXXX/XXXX/2017. The receipt documented the cash would be available on the same day and the {$1500.00} from the check would be available on XXXX/XXXX/2017. About 3 hours later he got to the airport and his debit card was declined. He called Wells Fargo and they claimed there was a computer outage across the XXXX XXXX and they were working on it. About an hour later the {$500.00} became available. He called the bank after the XXXX/XXXX/2017 date on XXXX different days because the {$1500.00} did not clear. He was told the Trust Account was holding up the approval of the funds. I contacted the Trust account on XXXX/XXXX/2017 and was told the {$1500.00} was cleared on XXXX/XXXX/2017. I then called the main Wells Fargo number on XXXX/XXXX/2017 and asked why the deposit was being held up. I was told a second hold was placed on the check on XXXX/XXXX/2017 and it would not be released until XXXX/XXXX/2017. They would not provide an honest answer as to why the funds were held up AFTER already being released by the Trust account. Meanwhile my friend 's son had no money for food, to secure housing, for hotels etc. I asked to speak with a manager or someone who could assist me and they refused and said no one can help me to release the funds sooner and it would have to wait until XXXX/XXXX/2017 when the hold would expire.
they allowed me to apply for modification 2 times to come back to say invester does not partisipate. Cause me 6 month further behind
I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its just a record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.
I mobile deposited a check on XX/XX/18 for a large amount ( {$6900.00} ) for a project/job I did. I expected there to be a hold on my funds for at most a week from Citizen 's Bank. I received a letter stating there would be a longer hold than usual. I thought, well this seems fair. They want to make sure it doesn't bounce or get returned. On XX/XX/18 I received another letter from Citizen 's Bank ( see attached ) stating that they are extending the hold of the deposit until XX/XX/18. It also stated that I would not be able to use or withdraw any of my funds from the account until then as well. What I wasn't aware of is that I also have no access to online or mobile banking. I can't even make deposits to the account or cash checks at the local branch. They totally cut me off. Because I wasn't expecting all of this ( the check has cleared and hasn't returned yet and shouldn't ) my account is now in the negative I believe. I receive checks often and now I have to pay rather large fees to cash them at check cashing places and also on mobile apps as well. I've called and asked to have online access restored but was denied.
Getting harrassing calls from all numbers from this company. When I block one they call from another.