WillisBack/dataset-financial-user-claim huggingface dataset:
I have been diagnosed with XXXX, XXXX XXXX, and XXXX and i am under a doctors care. The past XXXX years i have been unable to work steady i have fallen behind. In addition the current interest rate on my loan is 6.5 % and had tried XXXX times for a loan modification over the past 4 years and i was denied every time, had i had a reasonable interest rate i would have been able to hang on. I now have a family member that can buy my home from me for the note and stop the foreclosure but need to get in touch with the bank to see if they will work with me thru this process so they can get paid off and I can stay in my home. 
I have been unable to get a contact at XXXX XXXX or NationStar, The servicer, that can help me or put me in contact with someone that can assist me. i need assistance.
I went to my bank, Citizens Bank of Friday XX/XX/2018 at XXXX to send an international wire. The employee filled out the wire form and I specifically stated I wanted to wire {$4800.00} US. She completed the form and I left with a signed photocopy. The next morn ing, Saturday, I woke up and checked my accept and realized that over {$5100.00} was a withdrawn from my account and not the {$4800.00}. I immediately went to the bank and they said there was nothing that could be done until Monday. I went to the brach on Monday as soon as it opened and the person said there was nothing she could do so I said recall the wire. I called the recipient of the wire and he said he had not received anything. So I told the employee to immediately recall the wire ad refund me all the money that was removed from my account. The employee said she would and to come back in a few days. I checked my account the next day and still no refund. Went back to the bank and the employee saids she was working on it. I checked my account every day and kept going back to the branch for a period of two weeks. Finally, I noticed the branch had a new manager and I asked him to investigate. He produced to me his copy of the wire paperwork which has cross outs and changes and bore no resemblance to my copy. I also told the manager that the employee had been watching my account, refused me the wire fee and had refunded three overdraft fees I was charged because she sent too much money and made my account overdrawn. The manager said there was nothing he could do and my money was gone. I then called the main number for Citizens and spoke to someone in the wire department and sent them copies of my original paperwork and the bank 's altered forms. She called me back and said they contacted the employee and first branch manager and they said I orally told them to change the amount. This is a lie. I said to the person working in the wire department, if I told them to change the amount, how come there s no paperwork with my signature authorizing the change and why would these two people be refunding me fees since the overdraft would have been my fault and not theirs? It has now been over three weeks and I just called Citizens again. told them the recipient of the wire finally rec lived the money and is willing to return it but does not want to incur any fees. I told Citizens to get the money and pay me back my money as I do not want any fees either. Citizens told me they can not help. I am VERY UPSET. Can you help me please.
I received a letter from XXXX XXXX XXXX XXXX @ XXXX. The envelope came to my address with a sticker that had my name on it. In addition the envelope merely had a return add., no company name. I thought that it was an advertisement. Upon opening the letter I truly believed that this was an advertisement, or a scam. The letter had NO creditor listed. They were merely offering me a " Winter Tax Savings ''. I was offered no opportunity to even dispute this alleged debt from the unknown creditor. This is the first and only communication that I have ever rcvd from this office. Additionally, the signature is a photo copy of " XXXX XXXX '' 's signature. The letter also states a current balance of {$340.00}. However, the offer is for " 25 % off of the current balance due and owing ''. How much are they demanding? They also state that the payment must be made in a " lump sum ''. If this is a valid debt, from a valid creditor, they can NOT demand payment in full. Also they have failed to provide their consumer debt collection license. 
This Law firm has clearly violated the numerous laws within the FDCPA and furthermore my consumer rights. 
I am asking for immediate sanctions to be brought against this firm, and they should be thoroughly investigated.
Upon being denied from a lender for too many inquires on my XXXX report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, XXXX and Experian credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason : XXXX : 1. XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX  XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13. XXXX XXXX XXXX XXXX Experian : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
i financed a laptop and desktop from XXXX XXXX XXXX over 5 years ago. The total amount did not exceed XXXX i made timely payments until i lost my job while pregnant. i then made some late payments but payments none the less. in XX/XX/XXXX i made some larger payments as it was reported on my credit report and i was trying to buy a home. the debt was paid off XXXX essentially with the interest added. Fast forward to XX/XX/XXXX i received information my my employer at the time stating that a wage garnishment was completed and there was a lien for a debt with Midland Funding. i late find out that a court case had been initiated against me for the same XXXX account that was paid including interest. i had no record of this court procedure and did not attend., in any event over XXXX was collected from my garnishment. this loan is a nightmare its been paid many times i need help with this predator ( midland funding ) as i do not owe any more yet it shows on my credit report as a current outstanding debt in collection
In XXXX of 2011 I had to have XXXX at XXXX Hospital in XXXX XXXX ca. The hospital had patient information leaked and that 's when a collection agency by the name of Grant & Weber obtained my information. I contacted the hospital to make sure they had not sent me to collections with this agency and the hospital stated they did not report to Grant & Weber at all. The times I talked with an agent from their company he was very rude and bordering threatening. He called harassing me over and over. They could not provide me with information backing that I owed them any money. I was eventually able to remove their derogatory marks from my credit report. Last week Grant & Weber again reported the same 4 debts to my credit report without any other form of contact. I have talk to other people who have dealt with the same collection agency and no one had a good experience. Their practice is shameful. They want to hurt, not help you. They give vague information and when you ask for details they get upset and are very condescending. If you are lucky enough to get them to send you information to validate your debt it is a joke. The information is as vague as the reps are. Ask them anything about the debt and they turn on you. This company should be put out of business!
This collection was from years ago that was paid or ether liable as a nonen vailade payment
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The XXXX XXXX XXXX took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was XX/XX/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Midland c redit management is trying to collect on a debt they bought from  XXXX . I h ave sent 2 certified letters to midland asking them to provide proof that this debt is valid proof being a c ontract bearing my signature ( which does not exist ) each and every time midland sends me a letter stating the debt is valid which it is not as  you recall Midland h as previously been found to be illegally collecting on debt that the consumer does not owe on. This again is the case here. Perhaps if they spent more time investigating these items instead of looking for instant profits they would do themselves a great service. As of today I have not been provided me with a contract bearing my signature which is the only form of validation acceptable under the law.
I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need.
Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.
Purchased an ebook from a website XXXX. It has a 30 day money back guarantee if we send in an email stating why we wanted the refund. I did send in an email stating why I was unsatisfied within the time frame and the website owner denied us our refund. XXXX XXXX at XXXX claimed that we had to do additional steps that I was not aware of. I was not aware of these additional steps because you can only see them AFTER they have your money. I then went through my mastercard citi bank card and filed a claim. The credit card company did not investigate my information that I sent in. They used the sellers information that was after I had purchased the product. Please advise how I can get my money back as Citi Bank MasterCard did not do a thorough investigation.
I financed a car at XXXX in XXXX ohio on XX/XX/2017 through huntington bank. I asked and was told there is no loan fee. Nothing on ny paperwork shows a loan fee. XXXX was added on line XXXX and then subtracted on line XXXX. On XX/XX/2017 i went to refinance through XXXX XXXX and thats when i found out about a XXXX loan fee. I have tried to work this out through huntington and was told i will get back the XXXX and now they refuse to do so.
My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?
Experian did NOT properly investigate the 6 collection accounts that STILL appear on my reports, all they are USING is XXXX which automatically puts your dispute into a 2 digit code. 

I am requesting a METHOD OF VERIFICATION as allowed by law. These accounts should be REMOVED from my report!
XX/XX/XXXXWe opened our account a few years ago with Walmart. We paid consistently on our account until we lost our house XX/XX/XXXX. We made contact with the credit card company ( synchrony bank ) and they said there was noting that they could help us with unless I had lost my Job. They called our house several times a day/night and would leave messages on our voice mail almost every time, they would also call my cell phone multiple times a day and leave messages on it. We started to get things back on track, then my father passed away XX/XX/XXXX, again we made contact with them and again they said there was nothing they could do unless I had lost my job, even with the insurance that I paid for that the credit card company provided. Again the calls continued 2, 3, and 4 times a day at my home and on my cell phone. We told them to stop calling us and harassing us and they ignored us. We then received a letter from the credit company saying that they needed payment or that they were going to take us to court. We agreed to pay {$25.00} a month. Then we received a court notice saying that they needed a letter, explaining in written what we owed with in 21 days. I guess that the card company does not keep agreements that they say they 're going to keep. I have learned that there is a government agency that helps consumers with companies that abuse Federal Regulations such as the Dodd-Frank, The FDCPA, The FTC, The TCPA and The TILA called the Consumer Financial Protection Bureau. This letter is also being sent to them XXXX. 
Consumers should not feel threatened by big companies calling multiple times a day and that have XXXX Attorneys to intimidate the little people. We agreed to pay {$25.00} a month on our account of {$1300.00} and that 's what we 're going to pay.
Bank of America ( BOA ) claims I did not make my XX/XX/2018 payment and is reporting it late on my credit report. There was a XXXX dollar balance on that account and there was no payment due. So no payment was made for the XXXX because no payment was due. BOA has blocked my online access to this billing statement and I can not get access. 
I requested online through the BOA website XX/XX/2018 for a copy of this statement. Today XX/XX/2018 I called BOA and made a verbal request for a copy of that statement. 
XX/XX/2018 billing statement for the period XX/XX/2018-XX/XX/2018 had a current due amount of {$31.00}. Plus a {$36.00} late charge for XX/XX/2018 which had a XXXX   balance. I made a {$50.00} payment to BOA on XX/XX/2018. BOA has reported that my XXXX payment is delinquent to the credit all 3 credit agencies. 
Additionally I have made a {$200.00} payment to this account on XX/XX/2018. 
BOA is reporting two months of delinquent credit card payments which is incorrect. If they would provide me with a copy of the XX/XX/2018 statement it would prove that they are in error but as of now BOA has blocked my attempt to access this information. 
I am attaching a screen shot of my account statements showing the XX/XX/2018 is not available online for my access.
I made an international wire transfer of {$9900.00} to Coinbase, but was noticed that the wire was reversed on XX/XX/2017 because the account name didn't match. I still don't receive the money in the bank now. I have contacted Coinbase by email, but no reply for more than a week.
In XXXX of 2014 I placed an order with Amazon.com and thought I was using my own Visa card through my bank, what happened that I was not aware of was that they issued a new credit card thru Chase Bank and placed those items on that credit card I did n't know that this had taken place. 
I received a letter from XXXX XXXX collection agency stating that I owed Chase Bank XXXX the letter is dated in XX/XX/XXXX but never received this letter till XX/XX/XXXX. 
I called that collection agency at least twice and they said I would have to call Chase Bank Fraud dept. which I have done 4 times I have talked to XXXX different people and each time they say someone will call you back and they never do. 
I never received a credit card from Amazon nor did I ever receive a statement telling me I owed money, so when I got this letter I was totally surprised and knew I had not asked for a credit card thru Chase Bank. 
I have explained this to Chase Bank each time I 've called and offered to pay for the product that was purchased but not the interest that has accrued since I never knew of the credit card issuance. 
From what I can determine I owe XXXX and would like to pay that completely off. 
I have already cancelled that credit card so nothing else can be put on it. 
I am completely appalled with Chase Bank Fraud dept. they have nothing to do with helping people and their issues, their working for Chase Bank and trying to pull money from people that is n't there 's! Please help to get thru so I can illiminate this issue. 
XXXX XXXX
I am refinanced XXXX student loans totaling $ XXXX in using XXXX, the loans were originally serviced by Navient. XXXX was excellent to work with and the application process was smooth, with a rate that is excellent. 

XXXX issued the funding payment. 

XXXX - The XXXX payment sent to Navient was applied to only XXXX of my XXXX loans, against instructions provided by XXXX to pay down all loans. This created a ~ $ XXXX positive balance on XXXX of my loans, and approximately $ XXXX outstanding balance on my remaining XXXX other loans. 

XXXX - Navient debited my bank account {$960.00} as usual for my monthly payments even though my cash position as a whole was positive with Navient ( the positive balance on my loan was greater than the negative balance on my other XXXX loans ). 

XXXX - the positive balance on my XXXX loan was reapplied across all outstanding loans. But I am being told it will take XXXX weeks for them to refund me the {$960.00} Navient debited on XXXX. I am out almost $ XXXX for a month now!
I 've sent in certified letters for at least 4 months to get a frivolous statement or letter saying verified. By law it is required to investigate the consumers credit with authorization of the consumer and the credit bureau and creditor must have a signature of mine but theirs no documents shown that and the credit bureau and the creditor falsely agree to verify without and reliable documents. The information is inaccurate and false. I have been suffering a great deal of pain and I am truly XXXX XXXX that an error on my credit report has cost me a great deal of pain and suffering. A measly credit error has ruined my life and the next step is to file a civil suit with XXXX XXXX, XXXX XXXX XXXX and XXXX. Verbal verifications can not verify information or documents, without consent of the consumer their should n't be no verification. Both the creditor and credit bureau had broken several FCRA laws.
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
Credit Card does not reveal the APR when signing in for activity or paying. 
No where on the internet account is the information. It requires a paper statement ... 
All other information available, APR hidden. These accounts are variable interest rates, and hiding the rates is wrong. 
On some accounts I can download pdf of previous statements, which include the information ... but this one DOES NOT & gt ;
We contacted Van Ru Credit Corporation after receiving a letter about a XXXX XXXX debt. The letter was issued 4 days after my stepson received his driver 's license. We later received a similar letter from another Debt collector on behalf of XXXX. Except for the inconvenience of getting my stepson ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) to understand why these people insist on talking to him personally about this, it 's easy enough to get dismissed as the social security number they have on file does not match my stepson 's.
The representative at Van Ru advised that they themselves do not track down debtors or look up their addresses. He claimed that they get this from the creditor along with the case. In this case that was XXXX XXXX.
So this is how I am looking at it : XXXX XXXX and XXXX XXXX used exclusively the public availability of an address matching the name of one of their bad customers to assign the debt to that person and pass it to a debt collector. In the case of some foreign name, they enjoy the added benefit of many of them having the same name, many not speaking or understanding English well and most of them fearing any public exposure. Certainly, they might get lucky and find the right person, but in the process falsely accusing other people that happen to have the same name. More likely they rely on that most people will cough up the money even if not owed by them to avoid the things these letters are threatening with.
This is no different than a bank sponsored version of the IRS email/phone scam threatening people with jail etc. if they do n't pay. That scam is estimated to have netted the scammers more than $ 0.5B, so I can see why somebody in a bank thought it would be a good idea. But that does n't make it more acceptable. I hope that it, as in this case targeting minority rarely able to defend themselves, is a coincidence. If not, It just makes the whole thing more despicable This is banks conducting their own flavor of identity theft. I am not sure if this is protected against in FDCPA, as it is not the debt collector actually committing the questionable act - it is the bank acting on incomplete data. With the recent exposure of the business practices of a major bank of loading customers with unnecessary accounts, it is not hard to imagine banks also engaging in this form of scam.
my wife and i were approved for the hardest hit alabama program because i lost my job the program agrees to pay the mortgage for us for 12 months round point mortgage has reported to XXXX and XXXX 30 plus days late which is not our fault i attempted to make a payment online but do to the status of the account was unable to because the program makes the payments so it will not allow you to pay the account.