WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern I have been around and around with every service mechanism your company has available and I 'm really very disappointed in everything I 've experienced in the last few days. I did my taxes through XXXX, I have been told by your company Rep " The tax preparer must send it to Rush '' that is not the case. I have contacted the IRS twice and they have verified both times that they have sent my refund to which is your bank. 

The only thing wrong is my account number which the correct number is I have been told by your rep that " my account ca n't be located '', thing is it 's the same account that my payroll check has been deposited to since XX/XX/2008. This is absolutely and totally unacceptable. The refund was sent by the IRS in the amount of {$10000.00}, my personal information is as follows. 

I 've been told by your company representatives that the tax preparer will send the refund to you and that is not the case. The IRS sent it to the account information mentioned above. 

I 'm sending you my contact information in hopes that a human being contact me shortly in hopes to resolved this in a timely manner. My next step is to contact my lawyer and at this point I do n't think I want to be a rush customer anymore. Please contact me A.S.A.P. so that we can get to the bottom of this. Cell phone number, your file email address is. However please contact me using. Again if this is not resolved shortly I and my lawyer will be contacting Rush Card corporate offices first thing in the morning. Your prompt response and assistance with this matter is greatly appreciated. 

Many regards
I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.
I have had bank accounts at Apple Bank for over 20 years. out of no where they said they were uncomfortable with some of my deposits and withdrawals. I am in the XXXX XXXX and have many inflows and outflows of cash. Also, I like to play dice at various casinos. They said they were uncomfortable with my deposits of {$8500.00} in cash and questioned a bank check that I had gotten for a purchaase of a horse for {$29000.00} made payable to the former owner of the horse. I felt like I was targeted and was emabarasedd in the bank after going there for the longest time. I had no recourse. All I was told was that this was a decision by the internal audit department of Apple bank and was not a branch decision. Who are these people? the XXXX XXXX XXXX, they make these decisions and you ca n't speak to them or defend yourself?
Dear Sir/Madam, In conjunction with our original request with your office, for assistance to hold Wells Fargo Mortgage responsible for its willful negligence and illegal XXXX Home Improvement contract that we were forced to sign in order to have our closing. 
They deemed and validated their contractor who abandoned our first home renovation thereby placed our entire family in financial distress. Our family was XXXX for five ( 5 ) months and we still paid our mortgage and outstanding debts. Attached is further  documentation for your review. 
As of today, we are in the process of completing Wells Fargo financial hardship loan  modification application and we need your intervention with it. We have submitted documentation that my husband is a XXXX XXXX XXXX member, he had XXXX in XX/XX/XXXX, and his XXXX  stated so in a letter submitted to Wells Fargo. His work schedule has been significantly alter not due to health but due to work conditions. 
We have had Court judgments against us XXXX confiscated {$1000.00} out of our Wells Fargo account this XXXX that was towards our XX/XX/XXXX mortgage payment which is not paid and now we are in XXXX. 
Wells Fargo is currently requesting redundant documentation from us and we our appealing to your office to re-review our complaint and this additional documentation so we can have relief from this two year overly burdensome experience with Wells Fargo mortgage. 
We want our home! We have invested tears, sleepless nights, sweat equity and all our financial resources to make it our home. 
We appeal to your office to please review all newly submitted documentation and our original complaint to consider this appeal. 
We are grateful for your most recent assessments and awarding against Wells Fargo on XX/XX/XXXX. 
We pray for your consideration in our matter.
I went to XXXX XXXX XXXX when I realized someone leased a vehicle in my name. 

They signed my name, and a vehicle was delivered to this person. 

XXXX XXXX had me sign a letter stating that I became aware of the lease the day I went to the office. 

They stated it would be taken care of in house. Thy even offered a vehicle to me but I refused. 

I stopped receiving mail for a while. Recently Ive noticed it is on my credit report. 

The signatures are not my signature on the initial application, the application had a co signer initially on the first application, then they used me solely on the application. 

My job information is incorrect, my income is incorrect, and the contact information is incorrect. 

Nothing has been done from XXXX XXXX XXXX or Honda Fonancial Service. They allowed someone to fraudulently use my information without me being present. I helped them obtain the vehicle by locating it through parking tickets. They did not take any of this into consideration. 

They left me with a large bill. Lease number is XXXX XXXX XXXX XXXX XXXX XXXX
I mailed a certified letter to Amshercollection services. They have the same physical address under a law firm that they use to intimidate customers. The certified letter was returned to me without being opened. I requested proof of contract to substantiate their claim. I wanted a certified copy of an original contract, with my signature, specifically naming their company as a entity to enforce a commercial claim against me. Fair Isaac Credit Act says all debt has to be 100 percent verifiable.
On XX/XX/2019, I submitted an online dispute with XXXX regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, XXXX  has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.
Fedloans.org does not process payments in a timely manner and continues to charge interest between the day when the payment is submitted and when the payment clears. As of today, I submitted a payment on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX The payment has not cleared and the outstanding interest continues to accrue based on the loan be-payment.
In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. 

We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. 

Please advise.
My credit score was dropped to a very poor level when I paid off my XXXX XXXX account with no bad remarks on XX/XX/2018 and restarted the same account later but Equifax, and XXXX reported that it as a credit debt to pay off the account balance but still they committed fraud contradicting their own standards because the account was reopened in the same month with a new balance. They are revolving around businesses that I own that are committing this fraud daily. I own the XXXX XXXX, XXXX, XXXX XXXX  markets. I have been attacked by employees and discredited from my large income. Credit monitoring companies use my office business resources to hack a credit score monitoring system to steal my businesses in this up rising. XXXX are involved. I need my credit to get out of this ground zero where respectable home brand names businesses are thrived from me.
Hi, I am writing to report Citizens Bank for predatory lending, false marketing, and high-pressure sales tactics and practices. Citizens Bank falsely advertised eligibility criteria that do not correspond to their actual business policies, and its officers pressured me to apply for a loan I would not be eligible to receive. On top of that, Citizens Bank 's officers refused to provide any clarification as to what the actual eligibility criteria are. 

I completed XXXX school in 2016, and I have student loans that I have been looking to refinance at a better rate. As an international student on an XXXX visa, I couldn't find any program that would deem me eligible. In XXXX of this year I received a mail ( scan attached ) from Citizens Bank prompting me to apply to refinance my student loans. The eligibility criteria attached clearly state that " US citizens, permanent residents, or resident aliens with a valid US social security number residing in the United States '' are eligible. 

On XX/XX/XXXX, I decided that I would be interested in the product, and I proceeded to process a rate quote online. After receiving a rate quote, I was prompted to apply. The website confirmed the eligibility criteria included in the mail I had received earlier, under which I would be eligible. Knowing that most student loan refinance programs are open only to US citizens or permanent resident, I decided to proceed with more caution, and I opted to call Citizens Bank 's customer service to receive more information.

Citizens Bank 's officers revealed that the eligibility criteria listed on the mail I received are not correct. In fact, they shared with me that, as a resident alien ( with a valid US social security number and residing in the United States ), I could not apply on my own. I could only apply with a US citizen or permanent resident co-borrower and, if I did, my income would not be counted towards my debt-to-income ( DTI ) calculations to determine eligibility. In my particular case, I could have applied together with my wife, who is a US citizen. Only her income would be counted ; however, both my liabilities and hers would be included. In order to understand whether I could feasibly apply, I inquired about what is the maximum DTI allowed, and I was told that that is proprietary information that can not be shared. Despite all of this, the representative pushed me to still apply to see whether I could be approved or not. Knowing that my DTI calculated without including my income would be high, I decided not to proceed with my application. I shared that I would complain with the CFPB, and a few days later I received a mail ( attached ) stating that my income would not be considered on this application. However, their marketing materials never indicated this. 

Luckily, thanks to my background I have knowledge of predatory lending and practices, and I was able to recognize this before applying. Unfortunately, other consumers might not be as informed, and will fall trap of these subdolus practices. I appreciate your help ensuring that other borrowers don't fall trap of these false claims.
I purchased a car from XXXX XXXX through Santander. OMG My Worst nightmare. After only a few days this car broke down. I called XXXX XXXX 's salesman that sold me the car and he was beyond RUDE. Ignored my calls, told me i had to get the car towed etc. My insurance would n't tow it to XXXX XXXX and i had spent all my money trying to fix this vehicle now i KNOW i was still in the time frame to return this vehicle. That was my plans but this company refused to give me any help. This car has been broke 2 weeks after i purchased it. It was a lemon. Now i know I 'm still liable for this debt but I 've tried to return this broken vehicle. Why should i have to pay on a car that i only used 2 weeks. On top of that Santander is flagging my account with late payments after refusing to help me. I have been struggling to get to work, school and my son 's extra curricular activities. I spend ALL my money on GAS money while this broke LEMON sits in my yard!!!!!
My credit report shows an address in XXXX, NV. 
I have never lived there and do not even know where it is. 
How do I get this information removed please? 

Thank you
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern Trans Union, XXXX. XXXX XXXX, XXXX, XXXX XXXX Please update my phone number to my public and fraud alert cell XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Name Errors : NAME : XXXX XXXX NAME : delete not my name XXXX, XXXX, XXXX delete not my name ADDRESS Error : ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX I never lived at these addresses. 
Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I been living there since XXXX/XXXX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I contacted chase card in hopes of verification of a credit card application and they stated they could not send me the documentation I needed to verify the account. I do not take ownership of the card that was open or closed, on the same day, nor was it used. I want to verify the validity of the hard inquiry they are reporting to the credit bureaus. Instead of them sending me the information or providing me with the application that they claimed I submitted they told me I can write a letter to them or have my attorney send subpoena for the information. Is the the correct process when a person, who is concerned about fraud is trying to verify an account on their credit?
I purchased a XX/XX/XXXX new truck from a local dealer in XX/XX/XXXX. The dealer sold the loan to Santander co. I was not told by the dealer who held the loan. I did not receive loan papers, payment invoices, etc from anyone. I repeatedly asked the dealer who told me in XX/XX/XXXX that it loan still had not been sold but I would be notified when it was. In early XX/XX/XXXX, I received notice from Santander that I was late on the loan despite never being notified of the fact that they held the note or where to send payment. I talked on the phone with Santander on XX/XX/XXXX. I was told that I was late for XX/XX/XXXX 's payment. I explained I had never been notified. They told me I had to make a payment and would have a second payment due on XX/XX/XXXX. I requested my due date be moved to the XX/XX/XXXX of each month because I could not make 2 payments that close together. they agreed if I paid a payment during the phone call. They told me the payment was {$640.00}. I paid it.They did not change the due date. When I did not make the payment on the XX/XX/XXXX they charged me a second late fee and reported me late to credit companies. They called me and told me I was late and my due date was still the XX/XX/XXXX. I made the payment on XX/XX/XXXX and they charged me another late fee on XX/XX/XXXX. They also raised my payment from {$640.00} to {$710.00} and did not notify me. I have made 2 payments in XX/XX/XXXX to get on track with there changes. I asked them to remove the late report and being behind on payments from the credit agencies because they never told me they held the note. I did not know who or when to pay. Once notified I paid what they asked and when. They changed the amount, continued to assess late fees and incorrectly report. The have so far refused to correct my credit report. They have been dishonest and refuse to help. I want them to correct the credit report and clear my good name.
Earlier this year, XXXX XXXX of XXXX XXXX XXXX  contacted me. I paid {$6500.00} for a tax and advisory services I was led to believe was necessary for my business. 

He talked about Tax preparation services, record keeping, forms and filing dates etc. and that this package of services would cost thousands less than a CPA. I have come to find out they are not who they say they are and I dont want to continue a business relationship with this company, they have lied and deceptive. I have also never received any of these services so therefore I feel I am entitled to a FULL REFUND. 

I have never spoke with anyone again nor have they done anything for me. I now realize that this is all a sham and I have become a victim of another fraudulent telemarketing sales call. The {$6500.00} I paid is not justified for these services. 

I have tried to cancel the service several times in writing with the merchant telling them I do not wish to continue these service nor do I want XXXX XXXX doing my taxes, but they said they wont and cant refund even though I have never even dealt with or have they done any tax services. I am requesting if you could please help me get my money back. 

Thank you in advance for your attention with this matter.
DIAZ & ASSOCIATES , INC. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX
I am an attorney in New Jersey. I sold a home and the proceeds were wired into my Attorney Trust Account on XX/XX/18. Once the wire posted, I wrote a check from my attorney trust account to myself and went to my local Chase branch to deposit it into my personal account. The teller told me it would be a 2 day hold. I said " Fine '' and deposited the check. On the day the hold was to be released, I get an email from Chase saying that they were going to hold it an additional 8 days. I went to the Chase branch who then had to call me back once the manager returned. Manager said she could not do anything. I asked to give me the check back, but they said that they could not do that. They escalated the problem to their corporate help line, but they said that they would not clear it nor give me my check back. The only reason for the hold was that the check amount was large. As a lawyer, if I bounce an trust account check, I would lose my law license and go to jail. 
I have completed thousands of real estate closings and never had a proceeds check held for a week and a half. If that was to be the case, I would have wired the money. I believe that they are only holding the check to take advantage of using the interest free money for 10 days.
My bank account was compromised due to fraud. XXXX XXXX XXXX made me close the account and start a new account. i contact my credit card company Wells fargo Home Furnishings and informed them about it. In the past one month itself they kept running my EFT payments with the old account almost 4 times a month and then charging me a fee for it. I want all the fee waived and stop them from doing this.
XXXX XXXX XXXX XXXX claimed they were a law firm hired by Capitol One to collect on a credit card debt of around {$600.00}. Now saying I owe over {$3000.00}. He said they would contact my car loan people and repossess my car for the debt. 
He knew I had filed bankruptcy, said they talked to the judge and the debt was dismissed but they ( XXXX XXXX XXXX ) were collecting the debt and damages anyway. He said the debt was now {$3000.00} but they would settle for {$600.00}. 
I have not been served with any paperwork for any of this. He said I was trying to avoid them when he called me and knew my address.
The issue I am having is with Citibank/XXXX XXXX, the current servicer of a student loan I have originally taken out with Citibank in XX/XX/XXXX for the amount of {$40000.00}. The loan has always had a fixed interest rate of 3.75 % until it got transferred to XXXX XXXX where the original conditions of the loan were changed without noticed. It is now a variable rate of 4 %. 

XXXX XXXX/Citibank are not able to provide any documents previously handled by Citibank like promissory notes, loan conditions at the time etc. I have called XXXX multiple times to request previous records and they tell me I need to call Citibank. When I call Citibank they ca n't provide any information for me either. Since they are unable to provide any records it is hard for me to explain that a fixed rate became variable without my consent. 
I have been repaying the loan since XX/XX/XXXX and loan balance is currently at {$40000.00} and there is no clear explanation of how much of each payment is going towards what. 

Please let me know and I will send more information specific to the loan and my identity.