WillisBack/dataset-financial-user-claim huggingface dataset:
CHASE FREEDOM CREDIT CARD I just signed up and received a Chase Freedom Card last month and today I received my statement and was shocked to see all XXXX digits on my statement. I was in awe and shocked so i called their customer service number. He told me that all Chase credit card statements have all XXXX digits listed. I told him that I have several other credit cards and they only send statements with the last XXXX digits of the card. He told me he could n't do anything so I asked to speak with a manager. He transferred me woman manager who told me the same thing but said she had several other members complain about their statements having all XXXX digits and would escalate this issue. 
This just makes it easier for someone to commit fraud.
Today I spoke with a representative from this company who called me out of my name, while then attempting to hang up on me before I asked to speak with her supervisor ; after which she transferred me to another department instead of her supervisor.
ON XXXX/XXXX/15 @ XXXX XXXX XXXX OF PROFESSIONAL ACCOUNT SERVICES INC OF XXXX TN CALLED ME THREATENING TO TAKE LEGAL ACTION AGAINST ME FOR NOT MAKING A PAYMENT ON AN ARRANGEMENT. ON XXXX/XXXX/15 THEY RECIEVED AND POSTED TO MY ACCOUNT A CHECK FOR {$5.00} WHICH WAS THE ARRANGEMENT. SHE WAS SO HOSTILE AND THREATENING THAT I WAS REDUCED TO TEARS. AFTER VERIFYING I HAD IN FACT SENT THE PAYMENT AND THEY HAD RECIEVED THE CHECK I CALLED HER BACK SHE WAS JUST AS RUDE AND HATEFUL THE SECOND TIME AND CONTINUED TO TALK OVER ME AND ARGUE.
I started making student loan payments to Navient on XX/XX/XXXX by the amount of {$87.00}. This amount was the repayment plan that was provided by Navient. The amount was an automated payment from my checking account. I've been paying that amount for almost 7 years. Last month XX/XX/XXXX, I received a letter saying that they did an audit and found that I need to start making bigger payments to meet the payoff date of XX/XX/XXXX. The new amount will be {$190.00}. This is more than double the amount I was paying for the past 7 years. I called to find out more information and see if I did something wrong. I talked to the first representative and her supervisor and they both said the same thing. They performed an audit and found that my payment needed to be increased. For the past 7 years I was making payments that they told me to make. What ever information they had to calculate the repayment plan did not change. If a mistake was made on their part, they should have found out sooner, not 7 years later. If they found out earlier, I would understand my payment increasing by a little bit. But since the mistake was found 7 years later, it ballooned my payment to more than double. I don't think this is fair and this large amount will be a burden on my family financially.
On XX/XX/18 I applied for a Home Depot credit card on line through Citi Bank. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by Citi Bank. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at Citi Bank said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with Home Depot/Citi Bank and was told that it was accurate and that there was nothing that could be done about it. I contend that Citi Banks credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
This company has violated Fla Statute 559.715 ( 559.715Assignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ) by not sending notice of assignment to a valid address associated with me ( no XXXX has n't been my address since XXXX 2006 ) plus the debt has far exceeded the Statute of limitations. This ALLEGED debt has reached it 's 4th or 5th agency of which i have disputed validity previously and no info was ever sent back to myself. This agency is also in violation of section 809 of the FDCPA.
To Whom It May Concern, I recently refinanced a 7-year student loan ( " Original Loan '' ) with SoFi with a new 15-year student loan ( " New Loan '' ).

Sofi sent the funds from the New Loan to an incorrect address and never paid off the Original Loan. 

This error is concerning my Sofi/XXXX Account. 

The funds for the New Loan were disbursed on/around XX/XX/2018. 

Unfortunately, the Original Loan was never paid off and my checking account is being automatically deducted for payments on 2 student loans when I should only have one student loan outstanding.

I'm paying interest on a 2nd student loan that should not be outstanding because of the Sofi mistake.

Additionally, I'm in the process of purchasing a condo and my credit report erroneously reflects 2 student loans outstanding, which is preventing me from qualifying for my mortgage. I have already sunk nearly {$500.00} with the mortgage application and home inspection. 

I have contacted Sofi ( lender ) and XXXX ( the student loan servicer ) on 2 separate occasions in the last 2 weeks to resolve the matter and provide me with a letter that I can send to my mortgage underwriter explaining the mistake. In both instances, XXXXSofi have failed to resolve the issue. 

Thank you.
I have called Transunion and the representative told me that they could not help me. 
The undermentioned inquiries are either duplicate records or unauthorized. 

XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE XXXX XXXX 2017 XXXX ( DUPLICATE ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE )
The following accounts are fraudulent, unauthorized and not mine : XXXX XXXX XXXX/XXXX XXXX credit card account : XXXX, and XXXX XXXX XXXX credit card account : XXXX. I never applied for the accounts, so the accounts are fraudulent, unauthorized and dont belong to me.
Capital One account was closed by Capital One, earlier, than sold to XXXX, put in collections, I disputed, they removed in XXXX and put it right back on again the same month. 
this account was over 7 years old and was dropped by Capital One. for {$540.00}
Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report
I have this inquires in my credit report that are incorrect and should be deleted.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
start the payment on XX/XX/2013, {$170.00} for 24 months {$180.00} for 24 months {$200.00} for 24 months {$210.00} for 24 months {$180.00} for 24 months {$230.00} for 24 months I start make a payment for a few months, and with out any knowledge, I got mail from XXXX from now on I have send payment to the XXXX not the consolidation company. as soon as I know, I talk to one of the XXXX customer service and I explain them that I was consolidated and I was making payment all this years. I told them my principle is not go down, as well is not count the duration I make payment to the 3rd party. so, at this point I need my money back since it is not toward my loan all the money I paid.
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX   XXXX  We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times over the past 30 days, requesting a payoff demand. BAC is refusing to provide a Payoff Demand. 

Today they are claiming that the loan has been charged off. In turn I asked that we receive either a payoff demand showing the balance due, if any ; OR a Reconveyence of the 2nd XXXX. I was told by Customer Service that the short sale department handles these requests. The short sale dept told me that the chargeoff dept handles these requests for charged-off loans. I then spoke to the charge-off dept who told me that only the short sale dept can help me. I spoke again to the short sale department and they sent me back to the chargeoff dept. 


In every conversation I was directed to a different department, who then told me that dont actually have the ability to process my request for the payoff demand on this loan. 


At this point Bank of America has acknowledged my authorization as an agent for RE XXXX XXXX. They have also told us in writing that the loan is charged off. THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 



*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE 2ND FILE WITHIN THE PAST 3 WEEKS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT # FILED ON XX/XX/XXXX -- CASE # XXXX **************************
Well the saga continues after XXXX complaints and XXXX months later my deed in lue is still not completed and now the home owners association is planning on taking me to court because of past arrears that I can not not pay due to the fact that Ocwen has taken so long with completing my deed in blue that they said would take XXXX days. Ocwen continues to lie about their process and push me off. I recently receive foreclosure paperwork from an attorney about the house in question that Ocwen submitted to them. I contacted Ocwen and they told me not to worry about t and they can stop the foreclosure at any time they are just waiting for their attorney to get back to them. So about their attorney, they gave me the name and number to try and get in contact with " THEIR '' attorney who I found out if a family attorney not a mortgage or real estate attorney. After calling them back multiple times and spending time I found out they were never able to contact their attorney for many months and this was the delay. I told them to find another attorney, and they wasted all this time. I had to kick out the renters who are still waiting on their {$3000.00} from Ocwen to move out and Ocwen 's escalation team s horrible to work with everyone puts a priority on the escalation and nothing happens. There must be something to protect consumers from this behavior of the mortgage companies. Where can I go? Do I have to take them to court? I now have less than 30 days before they foreclose on my house that I have been trying to give back to them for over a year and their inability to do the right thing and provide professional services is completely unacceptable.
Prestige Financial stopped reporting positive payment history. Payments made under 30 days, went unreported to XXXX for several consecutive months in XXXX. During my attempt at rebuilding decent credit, Prestige failed to update XXXX with payments made in good standing. When I fell behind XXXX days XXXX, Prestige quickly updated my account and listed the account as currently past due on the same day the agreed upon payment arrangement cleared. Post payment, I am left with a currently past due account on my credit report. Presitige Financial chooses when to report your credit activity and its not when your account is positve or timely. Prestige also updated the same account XXXX as currently past due to XXXX, after years of reporting the account was closed in bankruptcy.
I WAS CHARGED FOR SEVERAL CHARGES THAT I DID NOT AUTHORIZE AND NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES. I HAVE NO IDEA WHO THEY ARE AND HOW THEY RECIEVED MY INFORMATION BUT I WOULD LIKE TO GET MY MONEY BACK. I CONTACTED THE CREDIT CARD WHEN I NOTICED THESE CHARGES ON MY STATEMENTS BACK WHEN THEY WERE CHARGED TO MY ACCOUNT AND THE CREDIT CARD COMPANY DID NOTHING. I AM NOW WITH THE HELP FROM A FRIEND TRYING TO GET MY MONEY BACK AND MY FRIEND AND I CALLED BB & T CREDIT CARD AND REP SAID THAT THEY COULDNT GO BACK THAT FAR BUT WE COULD SEND A COPY OF STATEMENTS ALONG WITH A LETTER TELLING THEM WHY THIS IS FRAUD AND THEY WILL INVESTIGATE THIS MATTER. I HAVE ALREADY BEEN THROUGH THIS PROCESS AND NOTHING WAS DONE AND HERE I AM YEARS LATER AND STILL FIGHTING TO GET MY MONEY BACK. I WILL LIST ALL CHARGES .... 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER AUTHORIZED ANY OF THESE TRANSACTIONS AT ALL. PLEASE HELP ME GET MY MONEY BACK
I have tried correcting information with two separate companies Experian and XXXX.

XXXX corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for Experian, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe Experian is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.
In mid-XXXX  I tried depositing a check in my Ally checking account using their mobile app. The app said I could not deposit the check because it had already been deposited, which was not true so I tried depositing two other checks for different amounts. I got the same false error message when I tried to deposit those checks. 

I contacted Ally support, and they told me it was a problem with the mobile app, so on XX/XX/2018 I tried depositing the first one of those checks through their website by uploading photos, however I got the same false error message. I continued trying to deposit checks through the mobile app over the next several days, however when it became apparent their system was broken and their support was unwilling or unable to help me I cancelled the one recurring payment I had set up in bill pay. 

That payment went out anyway, so I had the recipient destroy the check. However, Ally still charged me a {$25.00} overdraft fee for that payment on XX/XX/2018 as well as identical fees on XX/XX/XXXX and XX/XX/XXXX, one of which was for an automatic payment. These overdrafts were entirely Ally 's fault for failing to keep check deposits working.
A collector named XXXX from a company called XXXX contacted me on XX/XX/2019 at XXXX. I told him I was at work and he could call me back after XXXX. He said no to that and told me he was going to take legal action against me. After he spoke to me he called my mother on her cell phone and at her work. I have never given any company my mothers work phone number. He told her that they were going to file legal action against me. I called him back on XX/XX/2019 at the phone number he called from XXXX. He said he had called a great many people about my account. When I tried to speak to him about this matter he hung up on me. He would not give me the name of the company he was calling from. He did tell me on the XXXX that he was collecting on my XXXX account. I had to call and speak to XXXX to find out who they sold the debt to. I then tried to call XXXX at the number XXXX gave me XXXX. I was put on hold after I told them that I thought their collection policies were illegal. They then hung up on me. I have now sent them a cease and desist order and a letter.
Had a XXXX - XXXX XXXX XXXX home mortgage account that was refinanced on XX/XX/XXXX. 

As a build up to this 'refinance ' once in XX/XX/XXXX XXXX got ready to lock my rate and refinance and advised me that month 's payment would come from the closing proceeds. However when the rate lock did not happen I ended up paying XX/XX/XXXX mortgage out of personal proceeds. 

On a XXXX occasion a year later XXXX locked the rate in XX/XX/XXXX and completed the closing on XX/XX/XXXX. As per the process XXXX paid the XX/XX/XXXX mortgage out of the closing proceeds. 

However, ended up reporting both late payment as a my fault ( when I was clearly advised that loan closing month 's mmortgage would come out closing proceeds ) to the credit reporting agencies, which is impacting my credit score negatively. 

I have tried several time to talk to XXXX to correct this reporting and had faxed/sent a dispute letter on XX/XX/XXXX as well. 

However, until now there is no resolution to this issue and my credit report is impacted negatively.
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
After multiple calls and instant messages over the period of two months. I was denied my Amex Platinum welcome bonus, since they said that I closed two previous cards after a year, as I am " misusing my credit cards. '' This was after I had called prior to applying for the card, and they said that I was eligible for the welcome bonus. Every time I call about my welcome bonus stats, the customer service person says that I have no reason to not receive it. I fulfilled all the requirements and pay my card off on time. 

I closed both previous cards for legit reasons, the first was a delta gold card, which I closed after not using the airline much, and the second was a XXXX card, which I closed after the merger with XXXX was announced and my points would have been devalued. 

Plus, I have cards outside of AMEX with longevity ( four to six years ) ... AND I have only opened four cards in the last two years.

I did nothing illegal, and I pay my cards off on time, every time. I have a great credit score, and show nothing that would be a risk for the company.

I would like to file a complaint, as I did everything AMEX had asked for, and yet they still refused -- it's not only misadvertising, it's a bait-and-switch tactic to get you to sign up by offering welcome bonuses without following through.
We were sold by XXXX to a servicer called XXXX in XXXX. That servicer joined another company and changed its name to XXXX XXXX. in XXXX. This is when our troubles began. XXXX/XXXX   stated that they would be starting an escrow account for us because they alleged we had not paid property taxes. We should proof that these taxes were already paid and the company persisted anyway and started and escrow account increasing my mortgage by {$400.00} then added insurance ( forced placed ) which increased our mortgage by another {$200.00}. The company has refused to remove the escrow even after proof of their error was delivered to them as requested. Soon we could not make out mortgage payments. A QWR was sent to the lender and it was found that the note which is the basis of our mortgage was a forgery dating back to XXXX. XXXX XXXX then made forged documents claiming they were the servicer in XXXX when in fact the company did not have anything to do with us until XXXX when they partnered with XXXX and took over our loan. They have since sold the loan to XXXX XXXX in XX/XX/XXXX. We did a QWR to them also and not more than two weeks after receiving the documents and learning of the fraud the sold the loan to Konduar Corporation. I have sent this company a QWR request and found that XXXX XXXX has just within the past week submitted an assignment of the mortgage to KONDUAR claim ownership of the loan. Please note our original loan on the home was not in XXXX but in XXXX for the amount of {$170000.00}. The current loan when we left XXXX was XXXX some 18 years later. We have been informed that the home in XXXX was upside down in valuation. approximately XXXX we did not borrow XXXX on the home and the mortgage not is a fake document. besides no back would have made such a loan with a house upside down. The lawyer XXXX XXXX in prison for fraud on home loans and was the initial lawyer for our loan. Still, the current loan in XXXX XXXX claims to have been our servicer. This is a lie .... Now the company is threatening to foreclose on out home after 18 years of living there. we coudl use some help in this.