WillisBack/dataset-financial-user-claim huggingface dataset:
A car was bought in XX/XX/XXXXand payments made every month fast forward to XX/XX/XXXX I am being accused of a missed payment ( which did not happen ) my bank forwarded proof and they refused to acknowledge it. My bank after looking into it thinks it is an error on their end. I have proof of every payment made on this car. This bank is harassing, and threatening and should not be in business, they are ruining people 's lives. MY PROOF WILL BE SENT VIA MAIL TO YOU. As you may have guess it is WELLS FARGO BIGGEST CROOKS IN THE NATION.!!!
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Transunion is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
Hello, After being a US bank credit card customer for 18 years and always paying my bill in full and on time, they totally DEFRAUDED me!!! US Bank incorrectly charged my " no annual fee '' account an annual fee. I contacted them and was told " no issue it was an incorrect charge and would credit the account ''. They did but only many months later and then charged my account appr. {$50.00} in penalties, fees etc. I spoke with XXXX supervisors and both said, " the charge and additional fees were an INCORRECT and would be reversed but I needed to pay the {$97.00} ASAP or it would be turned to collections '' .I paid the erroneous charges under protest. Not only did they not refund the {$97.00} as XXXX supervisors promised, they turned it to collections even though it was paid in full damaging my credit report, causing it to drop XXXX points!! 
This is total FRAUD and ABUSE, please help. 
Thank you XXXX XXXX
First I received communications from Source RM at the wrong address. Second they have no right to collect this debt. 3d I am in the process of working out a payment plan to the company which the debt is owed to. 4th Along with 2 other collection agencies they are trying to collect this debt. 5th Source RM has report false and negative information on my credit report causing me financial hardship.
In XX/XX/XXXX I received an AARP Chase credit card with rewards. I have periodically redeemed the rewards to the monthly payment. On XX/XX/XXXX with a minimum due of {$78.00}, the reward of {$84.00} was redeemed and posted to my card account. Then a {$35.00} late fee was posted. I called customer service and spoke to XXXX who adamantly told me " Rewards can not be used for a minimum payment. '' The 5-fold brochure I originally received with my new card, dated XX/XX/XXXX, advised that rewards may be used for merchandise, AARP membership renewal, travel, gift card and cash ( as checking account deposit or to be applied to the statement ). I have not received any other redemption terms since the one in XX/XX/XXXX.
The week of XX/XX/XXXX I sent Equifax a letter to verify collections and inquires on my account. For the collection accounts I never received verification or validation but on my credit report for XXXX XXXX  which is reporting 4 times for the same debt for & XXXX, XXXX XXXX for {$29.00}, XXXX XXXX XXXX ( 8 times ), XXXX XXXX, and XXXX. As for the inquires I have n't recieve any validation or verification that I requested for XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX in XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX for XX/XX/XXXX.
I 've repeatedly told the debt that the apartment complex was falsely trying to bill me. When I asked them for proof of the debt they sent me a paper with claims by the apartment complex with no proof of damage or their claims. They also sent a lease signed by the property manager, but the lease has no signature by myself on it.
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On Site Manager / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with XXXX, but they came back saying On Site Manager / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
I have disputed a collection account with LVNV Funding and have asked for validation of this debt both directly and with the XXXX credit reporting agencies. LVNV Funding has failed to provide me with any evidence that this debt belongs to me and that they have a legal right to collect it. I am demanding that they either provide me with sufficient evidence that this debt actually belongs to me or that they delete the account from my credit reports. If LVNV fails to either validate this debt or delete it from reporting, I will have no choice but to pursue legal action against LVNV Funding.
XXXX XXXX ( # XXXX Manager is name XXXX ) phone # XXXX email : XXXX I am writing to formally complain about XXXX XXXX XXXX the third party outsourcing company. I have tried since XX/XX/2017 to cancel my monthly membership service to which I have not been able to log into since XXXX. I have tried for months to speak with a representative to cancel the services and each time a customer service rep blatantly hangs up the phone. I have been charged for months for a service that I can not use and/or log into. And have called to ask on several occasions to have it canceled only to no avail. The customer service representative have the competency of a first grader. They are taking my money each month for a service they have not rendered. I have spoken with an attorney about my legitmate concern to sue with regards to my complaint. In a era with so many security breaches that Experian and XXXX have had recently I am appalled that they continue to use a third part company with a deplorable reputation. 

I do plan to take legal action.
My husband and I were self-employed up until XX/XX/XXXX when we had to close our company and lost all of our income. We had made every mortgage payment to our lender on time from XX/XX/XXXX to XX/XX/XXXX. I immediately reached out to the lender to inform them of what had happened and begin the process for a modification or forbearance on our home temporarily until we could obtain employment. I submitted all documents, forms, etc. and kept in close contact with them the entire time. I was first to obtain a job, but it was only part-time. The mortgage company denied our first application for not enough income. However, my husband obtained full-time employment in XX/XX/XXXX, making considerably more money than me. I resubmitted the application, with proof of his job, and they denied us again, this time for too much money, no hardship. One thing they do n't realize is in order for my husband to have this job, he must live in another city during the week, which adds another rental payment for living quarters, subtracting from his monthly income, not including travel and other living expenses. We are n't able to meet all of our expenses even though he has a good paying job. Apparently, they ignored this information and denied us anyway. I had attempted contacting them myself and was only met with hostility and told there was nothing more they could do. I did n't even receive actual denial letters of the reasons for denial, it was just verbal over the phone. In addition, when I would try to call, the person handling our case was never available and of course, they never returned my phone calls. I recently began working with a third-party company to assist us in going back to the mortgage lender for reconsideration. The individual at this third-party company was able to get to the people who had " our file '' and was told by a person in their underwriting department that technically, we should have been approved for a HARP modification, but the " investors '' denied it and will never agree to the modification. The person also stated that our lender denies 95 % of relief applications, regardless of the validity or hardship, and the company is not a good lender to have a mortgage with. I do n't know what else to do. We have full intent to keep our home, but need some relief for a bit until we can get our lives and financial situation back together. This mortgage company refuses to work with us, which is unfair, and someone needs to investigate them. We are not the only homeowners suffering because of this lender and they need to be stopped. We want help to save our house, but they wo n't help us.
I have a CD maturing at Ally Bank in 2 days. I called to renew it. 
XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? 
I suspect they are lying on the phone.
Portfolio Recovery Associates had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX XXXX XXXX XXXX. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also Portfolio Recovery Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By Portfolio Recovery listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called Portfolio Recovery and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.
Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C/R XXXXshows XXXX late payment XXXX, account listed as open credit.
Hi this incident was happen when I was trying to wiring money from my checking account from XXXX XXXX XXXX to the closing attorney office amount of {$8000.00} for closing on a property on XX/XX/XXXX. After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the XXXX XXXX XXXX to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in Citibank bank XXXX at address : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX NV XXXX XXXX and this was not the account we expected our money going into and I called to report the fraud on that wiring to the XXXX XXXX XXXX XXXX XXXX and they were able to stopped transection and had the the case # XXXXXX/XX/XXXXon this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the XXXX XXXX XXXX XXXX let them know I still did not have the refund from that wiring and XXXX XXXX XXXX told me that Citibank needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : Citibank ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between XXXX XXXX XXXX and CitiBank and I have been calling XXXX XXXX ( XX/XX/XXXX) and XXXX XXXX ( CitiBank ) and I got no help and they told me now money is holding at Citibank and they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. thanks
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements.   XXXX  My insurance company was supposed to pay this because I was in an accident and it should have been on legal hold.
there is a judgment that was inaccurately placed on my file and is no longer on my public records section and yet this bureau continues to verify it as mine and refuses to properly investigate it and remove it from my file. i have asked them repeatedly to show me any evidence of how it was verified and they refuse to cooperate and do not provide me with any evidence. they are reporting inaccurate and false information join the public records section of my file.
Wells Fargo Bank charged me {$75.00} annually and {$400.00} to cancel the account
XXXX to present paid out of my pocket my taxes that were due got bills in the mail. Paid over {$6900.00} dollars from XXXX to the present and they were suppose to be escrowed out of monthly mortgage payment from XXXX and never was being paid by my mortgage co. to find out that my monies went toward another customers loan at Ocwen and I was told this my managers at Ocwen. Emails history statements recd from Ocwen. I have receipts of all my taxes and I am requesting reimbursement of what I paid from Ocwen. They are giving me the run around. Several complaints against Ocwen see their website. I need help and assistance through this and I want to be reimbursed for all this money I Paid for my taxes that were suppose to be going towards my escrow account for my taxed to find out from the beginning XXXX my money was being applied to someone else 's account at Ocwen. Please help I have receipts payment history emails from mangers at Ocwen.
Over the phone purchase was made XX/XX/2016 frrom saks XXXX..Did not receive purchase From.Saks. XXXX claims they have signature of mind ITS not possible .File claim with XXXX they said shipper must file all claims.because of the agreement with saks..Saks never file claim I would like your help to dispute this claim. Thank you..
POLICE REPORT WAS SENT TO ALL 3 BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX
I was very sick in XXXX of 2015 with XXXX. It was mis-diagnosed by XXXX Physicians, so it was six weeks before I began recovery. I was late in paying off my Best Buy statement due to this illness, but the entire bill was paid, on XX/XX/XXXX for {$210.00}. I received XXXX late charges amounting to $ XXXX that I paid on XX/XX/XXXX. They have agauin charged me {$35.00} additional, and interest on the late charges, which amount to XXXX, which I paid today ( XX/XX/XXXX ) I have asked them on the phone and in a letter to remove the late fees and interest, and they refuse, stating they are justifiable.
XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} I have never done business with XXXX XXXX.
Chase Bank has charged me interest on a credit card that I had set up as an online payment to pay the full amount due
We have a Sams Club Credit Card ( Synchrony Bank ) and they have a practice of lowering your credit limit after running random credit checks. Doing this continues to negatively impact our credit. For example, we may have a credit limit of {$1800.00} with a balance of {$1600.00}. After a random credit check, Synchrony lowers our credit limit to {$1600.00}. To those looking at this account, if now looks like we are over our limit, which can negatively impact our credit score or be seen negatively to someone if we were looking for credit.
OnXX/XX/XXXX I faxexd over my request for dispute with Transunion for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of today 's date,XX/XX/XXXX, I have yet to receive any correspondence from them in regards to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond with 30 days as required.
XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Who is XXXX XXXX? XXXX  reported that between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DIVERSIFIED. The original creditor was XXXX XXXX XXXX.New Account in Collections When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. 


I am requesting validation of the above debt formerly held by XXXX XXXX  or removal from all impacted credit bureaus
Collector keeps calling my sister in law requesting for payment. 

I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
I don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.
Hello. I have A " World Onmi open account affecting my credit big time. I sign off on this card because my ex needed a car. After we broke up I realize that payment was not being made and a few months later the car was repo. Of course it will go on my credit because is under my name but I feel like although I made the mistake to get a car loan I should not be responsible for the remainder balance of 5k+ to be  paid by me. 

Please help! 

Thank You
I DONT GIVE A XXXX IF THE CHECK WAS UNPAYABLE BY THE PEEPLE I GOT IT FROM, WHERE IS THE ORIGINAL INSTRUMENT [ CHECK ] WITH MY WET INK SIGNATURE? AND WHAT DID YOU DO WITH IT? AND WHY IS IT SO VALUABLE FOR YOU TO HIDE, TO KEEP, TO RESELL,? EXPLAIN TO ME THE DEBT WHEN YOU MADE A SECURITY INSTRUMENT OUT OF THE ORIGINAL CHECK AND SOLD IT, LIKE YOU DO TO EVERYBODY ELSE YOU CRIMINAL XXXX XXXX LIARS MISCREANTS, so EXPLAIN TO ME A WRONGDOING? SO WHAT WRONG DID I DO? EXPLAIN THAT TO ME,,,,,,,,,,,,,,,,,,,,,,,,,,, CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
This complaint is in regards to a closed complaint ( XXXX ). The previous complaint is not resolved, Bank of America is supporting fraudulent businesses and putting financial burden on small business. 

While the above mentioned complaint was being investigated, I stopped using my Credit Card. On XX/XX/2018, one merchant who originally charged my account gave me a credit of - {$490.00} while charging {$380.00}. The rep who was working on my original case agreed that these are fraudulent charges and my card has been compromised. To note, after the first fraudulent charges were reported Bank of America replaced my card with a new one that has a new account number. The rep suggested my to call fraud prevention to report these activities. I called the number on the back of my card and reported the transactions in question, the fraud prevention rep was not clear but said these charges were either made by the merchant or bank transferred those charges from old card to new card. I do not have a clear answer on this yet, it has been over 8 days and the charges are still in my account. 
So the questions are, while bank of america replaced old card with new one then how merchant got access to the new card to post those charges? Why bank is transferring charges from old card from new card TWICE? 

Bank of America is not being honest and putting burden on small business.
US Bank has stated in a letter addressed to me that i owe them {$270.00} from an account that has been closed for 3.5 years ago. This account was closed and all debt was paid for.
I received a letter from LoanCare stating I had insufficient flood insurance on my vacation property. I have XXXX buildings on my property ( front & rear ). I have XXXX policy numbers XXXX for each building. The policy offers XXXX premium options for each policy. LoanCare paid both premium options on the rear building & neglected to pay the front policy. 
After speaking with 16 different " insurance specialists '' over 3 days for over 7hrs I have received 16 different reasons that I do not have any flood insurance, but I do have a so called WIND policy???? I would like an insurance specialist to understand that the error is from them paying the XXXX premium options on XXXX policy only. I was advised today, XX/XX/2017 that I must pay {$630.00} out of pocket to maintain sufficient flood insurance. If I do not make the payment immediately, Lender-Placed Insurance will be purchased at my expense ... and it will be costly.
I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code XXXX ; I opened my checking account on XXXX/XXXX/15. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$250.00} on XXXX/XXXX/15 and XXXX/XXXX/15. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/15 and it has been more than 30 days since the requirements have been met.