WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  by way of TD Bank is acting unacceptably and unfairly against me. I've been a Credit card company since XX/XX/2016, and I have never had any issues. I live with XXXX XXXX and had a prior incident that left me with XXXX XXXX, so I have to write my pin number on my card. I lost my card and or never got the card, can not remember due to my XXXX XXXX and someone stole it and began using it. I filed a claim with XXXX, they sent me another card with the same pin to the same address, and that particular card I know factually that I did not get. At this point, XXXX is charging me over XXXX in credit charges with NO proof it was me who made the purchases. This is not only upsetting but spiking and triggering to my anxiety. This is now causing me my health. I also got a letter in regards to the 1st of the 2 claims and I was told that the card was activated at some number with an Arizona area code. I have a XXXX XXXX, Ca area code phone number. I do not have a phone number that is from Arizona. So they denied and closed my claim prematurely because it was activated on a number? That number could belong to anyone, even a family member of mine. At the end of the day If the card was activated justly, but I forgot, that happens- but it was lost and or stolen and someone used it without MY permission. I feel targeted and I am now a victim a third time because this company decided to give my claim one look over and rush to resolve with their best interest at heart. This is unethical and also, discrimination in regards to blaming me for the lost and stolen usage because of the PIN on my card. I know lawfully you can not discriminate against a consumer/customer because of that need- many elderly people have to do the same. The agents on the phone are rude and do not try and help- they leave me on hold for 20 mins at a time. It is truly unacceptable. 

There were charges in XXXX in another state- in XXXX XXXX XXXX . I, unfortunately, have never been to XXXX XXXX XXXX. So this is really upsetting that XXXX  is getting away with treating customers this way. Discriminating against me and my mental state and my XXXX XXXX issues. This is really upsetting. 

I am being denied without thorough evaluation! I filed two claims, they combined the two into one and denied them both at the same time, which is unacceptable. Especially in a financial institution.

It is illegal to discriminate based on race, mental health, economic standing or anything else. PERIOD! Also, the bank is supposed to be working for and with me, not against me. This is what's happening here. 1. Being lazy and not researching in great detail.

XXXX is making a bias and unethical decision based on miscommunication. They are using my lack of XXXX on whether or not I activated the card on whether or not I used it. The card was lost and or stolen and used without my permission!
Wells Fargo reported to XXXX that my mortgage was foreclosed on in 2014, But it was not foreclosed on. I am trying to close on a house and this has stopped my closing as i ca n't get a mortgage with this error on my credit report. They have aknowledged that this is an error and they would send a letter correcting this to me for closing and XXXX to correct the error. The letter never came and they say they are sending it over and it is thier system but it does not come
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SANTANDER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
The Apex asset management is trying to get money for rent for service XXXX/XXXX/XXXX XXXX XXXX $ XXXX in XXXX appartments, XXXX, PA. I do not live there since XXXX! I had lease for for period from XXXX for 1 year wich i signed. When i was leaving i told manager that i am leaving, i was roomate and the deptor was another girl, my classmate, she stayied there. I got letter from them ( Apex manegement ) that she left XXXX/XXXX/XXXX and i have to pay for 1 mons, because she left and did not pay for last mons. I have no idea, i did not see her already 3 years, i am living in XXXX 3 years since XXXX. Apex maneger told me anyway i have to pay, since i was in lease, but i signed for period 1 year ( XXXX ), i did not sign for 3 years. It is fraud, they crushed up my credit score and they opened dept collection now, wich i have to pay, but why? i do not live there since XX/XX/XXXXI have plenty of evidence that i live in XXXX since XXXX XXXX i have my job here, i have family, i have another lease agreement with another landlord since XXXX, i am making regular payments, i am person who will never drop something wich i have to do. Tank you for you help.
This account ending in XXXX has been open many years with no activity at all. We kept the account open intentionally until on XX/XX/XXXX we were notified that there was an XXXX account set up using the card and charges were being processed on the card. This was not our activity and we filed a fraud claim with American Express on XX/XX/XXXX. They reversed the charges and told us that they closed the account at our request. Now in XX/XX/XXXX I start receiving account statements and notifications of interest increase on the account that was closed. I contacted American Express on XX/XX/XXXX and they acted like they had no idea what had happened on the account, or why it would be closed. They began playing games on the phone, acting as if they could not understand what I wanted or what had happened regarding the fraud. They left me on hold for extensive time while transferring to supervisor. Never got the supervisor and I was told by XXXX, the representative, they could not close the account.
I 'm dealing with Navient and it has been a hassle understanding the balance being reported on my credit report and interest being applied. I Recently saw a {$3000.00} spike on XXXX loan in a 30 day period. There are XXXX other accounts being reported and I need to know what schools they came from because the same activity is happening on those loans. Navient has not been of any help even though they call me daily about a payment that I do n't owe. I was forced into an IBRP because I did n't know my rights and did not want my credit effected anymore. After all, it 's the government. But if I 'm forced to pay something I would like to know the source, where the balance is coming from, and the interest rate applied to calculate the amount of accrued interest. If Navient is unlawfully misapplying payments and can not verify the above, the only resolution would be to delete these accounts.
I have called Navient due to fluctuating amounts due on each of my student loans every week the prices reporting on my credit score fluctuate from owing 3k to 4k to an  increase of 8 to 9k. This is inaccurate beyond belief. My student loans are already investigation for student loan forgiveness from attending XXXX. When Sallie Mae which everything over to Navient, I've had nothing but issue they report late charges when I never had a single late charge and this goes on for months. I contacted them and they told me there was nothing they could do. This company is a fraud! Gouge students loans so not only will they never pay them off but effects everyone 's credit scores, this is a negative ripple affect. This needs to be addressed and taken care of not only for me but 1ks of people.
I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.
My credit account with Bank of America was debited amount {$1800.00} toward my business credit card payment on XXXX I called Bank of America on XXXX and asked about this transaction. I was told that Bank has right to withdraw the money. 
I called again on next day to credit card specialist and received the same answer : '' Bank has a right to collect your debt from checking account. '' My concern is that I had never authorized this transaction and had never received any notice from Bank about this action. 
Now Bank put me in dangerous situation : I sent a few checks and I am afraid I may not have enough money to cover it.

Previously I was trying to negotiate with Bank of America my interest rate and  establish the fixed monthly payment. All my offers were denied. 
Please evaluate the situation and help me to solve this problem. Thank you.
I called XXXX ext XXXX. I spoke with XXXX in the Department for garnishments. I advised here that the I never received any correspondence regarding it being closed. I was advised that XXXX was not included on the Judgement. Apparently there was an arbitrary charge form the apartment complex of over 2000.00. I asked how is the judgment line showing the entire balance when a little over 1400.00 was the amount I was ordered to pay. When I was initially contacted by the collection agency, I placed on notice and filed a CFPB complaint ( circa XX/XX/2015 ) asking for a itemized report of the additional charges after judgement was granted. 30 days has since past ( two years ) and never was validated. I have agreed to pay the XXXX ( court cost ) to close the judgement but will not pay the arbitrary charges post judgment.
we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do?
Company bought up mortgage from another company. As they are supposed to do, they did a escrow review, however, they used false and misleading numbers, thus triggering a refund of a portion of my escrow. I called them, and told them I believed they used bad numbers, they did n't care. Company then within 2 months did another review of escrow, this time they used real numbers, found I was going to be underpaid by a little less than the refund, and now are charging extra for the shortage as well as increased my escrow as I should. 

Complaint is that company did not handle escrow reviews correctly by using the false numbers on the first review, and if they would have, they would have easily left my escrow amounts alone, not causing me extra payment amounts to cover a self-generated shortage.
Got a demand notice from Midland Credit Management. They have sent a notice that we owe {$170.00} from XXXX XXXX XXXX XXXX. This is not any kind of dept that we owe nor have we ever done any kind of business with XXXX XXXX XXXX XXXX. Looking online it is well known that MCM does this kind of scam. Federal government should take action against them.
First I want to thank you because Wells Fargo has contacted me ever since I first sent a complaint. But all I do is get letters that they are still looking for that data. I lost my home by XXXX insurances on my property. The district Attorney of XXXX County explained the XXXX I had to pay every XXXX was an insurance to protect them, if I ever got behind. I was never behind until I am sure Wells Fargo sent someone who told me he could handle that and he did. But i was told to get a loan modification, I had to get behind on my mortgage. Eventually, I got 2 loan modifications which were later denied by Wells Fargo with first I did not pay my taxes which was a lie. The second one I got which I paid directly to Wells Fargo ( American Servicing Company ) was denied with another lie that I had a wife that put a XXXX loan on my property. I had no wife. Eventually, my deed of trust was sold with me losing my home and the XXXX dollars equity gone by constant quick sales of my property by other bankers. I was happy to know since I contacted you the first time Wells Fargo responded but with no solution. I lost my home and all the children I raised there because of Wells Fargo and XXXX XXXX who appeared to assist but was a thief also. I have the children I raised with XXXX grandchildren out of my life and I want restitution by senior abuse the bank did to me as a senior. I had never had a bank steal all my family equity and create me homeless with such fraud. You already have most of my information that I sent about 9 months ago. When I was at a workshop with the XXXX, I realized I can get money or something with how Wells Fargo and XXXX XXXX did to me. I made up my mind not to leave XXXX XXXX so I could continue to fight Wells Fargo, and homelessness that is happening everywhere by the banks and gentrification. I pay for my tiny office to stay here in XXXX, Have to pay for my storage, and the home where my daughter and I live in XXXX. I fight with the grassroots who keep me focused because I have discovered consistently how the courts have ego justice only for them and the corporations. So I am clear and precise I want my home back or I want the equity to assist my family. My youngest daughter, husband and XXXXsons moved t o XXXX because of injustice here. My oldest daughter whose husband died lives in XXXX with her XXXX children, My other XXXX daughters live in different parts of XXXX with XXXX children who are working hard by themselves based on the relationships they wrongfully chose in relationship. My home was always there for them and now it is gone. We seldom see each other as in the past. All my friends that grew up in my neighborhood are in pain because I in a way assisted them in growth. It seems as soon as I retired as XXXX senior abuse came after me non stop but Wells Fargo set up the worse experience to lose all the children I raised and loved.
I gave permission to a collection agency to discuss with my mother ( I am not a minor, my mom was helping me out on some outstanding credit card debt ) one account. My mother paid a {$500.00} settlement and a few days later received a letter stating Returned Check Notice. Your receipt payment on the above referenced account has been returned as dishonored by your financial institution. When in fact we contacted our financial institution and they had never received any request for payment of a check to this credit collection agency. 
When my mom called back to discuss this one case and the accusation of a returned check, she was advised that I owed over {$5400.00}, which is incorrect. I do have another account with their office, however, they only had permission to discuss one account with my mother. They broke the Federal Law by telling my mother about another account that they did not have permission to speak to her on. They clearly violated the Federal Debt Collection Act and refuse to close out and mark these two accounts as settled, due to the violation of the law.
I am the executor to XXXX ( deceased ) estate in XXXX, Alabama. A part of the estate is a house located at XXXX XXXX XXXX, XXXX, Alabama. The house had gone into foreclosure even though my niece was making payments. My sister 's will was never probated by the attorney to transfer the property to her daughter. Automatic deductions were made from her account up until XX/XX/XXXX Without any discussion or notice, Chase Manhattan stopped accepting automatic deductions after XX/XX/XXXX. In XX/XX/XXXX mortgage payments were made by money orders by her daughter. Chase Manhattan never returned the money orders or contacted my niece to inform her if there were any problems. 
In mid XXXX a notice was placed on the door of the property from Chase Manhattan stating the property was in foreclosure. We contacted Chase Manhattan with our attorney in XX/XX/XXXX to discuss and determine what transpired and what we needed to do to resolve the foreclosure matter. After our attorney had a discussion with CM, we were told by Chase that certain fees had to be paid in order to remove the property from foreclosure and transfer the property to the heir. We paid {$2600.00}, the amount Chase said was required to make the mortgage current and cover fees associated with the foreclosure. We also provided the necessary documents, death certificate, will etc. that Chase required to change the name on the mortgage. We were told by Chase Manhattan that ownership would be transferred and my niece could continue making payments. We received another notice in late XXXX that the property was in foreclosure and XXXX XXXX owned the property. XXXX XXXX had hired a law firm to manage the foreclosure. It stated that XXXX XXXX now owns the property and any occupants would be paid a certain amount to vacate the property by a certain date. The family was totally shocked and in disbelief that this was happening. Particularly after working the attorney and Chase Manhattan to resolve the situation. 
The actions taken by Chase Manhattan and XXXX XXXX are unscrupulous, unwarranted, and illegal. The family request that the foreclosure be reversed and property transferred to the heir without any additional fees. I would also like for Chase Manhattan and XXXX XXXX to be held accountable for their illegal and unscrupulous actions. The family has sunk XXXX of dollars into the upkeep of the property. We desire to keep the property in the family.
I had a home mortgage loan thru Carrington Mortgage Services and this was the worst mortgage company I have ever dealt with. So I decide to get a loan from a different lender in  XXXX   of 2016. Th e loan thru Carrington Mortgage Services has been paid off but still showing up on my credit report. I have called them and sent letter and emails to Custo mer Relations  for Carrington to remove this from my credit report. I can not get no one to do this for me.
TEK-COLLECT INC XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my XXXX  credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " Tek collections '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks
XX/XX/2015 I contacted Wells Fargo to inquire about a loan modification as I was recently divorced and nervous about being able to remain current. After explaining my situation to the representative at Wells Fargo I was told that I qualified for a Forbearance program, which you need to do before you can qualify for a loan modification. I was sent a contract with my " modified '' mortgage payment and in the contract it states that Wells Fargo will report that I am paying a modified payment. No place in the contract does it say that they will report you paying late during the process.I paid the amount due as stated in the contract. 6 months later I go to refinance my loan to get my denied due to " late '' payments being reported on my credit. I have contacted multiple people at Wells Fargo and no one is willing to assist me clear this up. Wells Fargo is known for unfair and shady business practices and this is just one more added to their list. I would like for the lates that are being recorded to be removed as I never paid my mortgage payment late. I paid according to the agreement.
TODAYS DATE : XX/XX/XXXX To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

XXXX  Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XX/XX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX   Inquiry fromXX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
OCWEN loan mortgagee used deceptive practice for communication purpose in order to foreclose my property and extract money from me. They used fake address to show that they have send all communication and those fake address not related with me in given period. i HAVE MADE SEVERAL ATTEMPTS WITH THEM TO RESOLVE the issue but they failed to resolce issue
Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me.
Upon seeking financing for a car purchase, was approved by some banks but denied by others due to credit report from XXXX. XXXX  and XXXX  scores are XXXX ... XXXX  score is XXXX. Calling XXXX was of no use ... no one could answer questions about how scores were determined or provide assistance for resolution. Online research indicates this company is relatively new and has questionable practices.