WillisBack/dataset-financial-user-claim huggingface dataset:
I have a complaint about someone selling my identity to collect money and now is making me falsely accused and I want to clear my name. I am taking care of a young lady kids that is away working and the other day when she went to send the kids money to me they told her that I am on a scam list. Now I don't know how I'm suppose to be on a scam list when I don't even collect money often. The lady 's kids I take care of she only sends money every two weeks to buy food and send her kids to school. Apart from her my dad sends me money only once a year which is XX/XX/XXXX and also my baby father which is once in awhile. So please I'm asking you if you could investigate about this and make my name be cleared from this absurd foolishness please. Thank you
Hello, I have submitted a few complaints on serves trying to fix my life after Identity theft, these operations I put my whole life in to would not stop people from accessing my accounts, I have a few questions that really concern me, I was selling on XXXX my kids where young I closed my Auction House in Colorado of 7 years, went online XXXX was new payment where mailed and Paypal came along, I said how cool is that email money so I signed up and opted in to the stock options don't the 10 % of my sales went to it all was great fast payments, then they started with Holding money taking money out of account making other bills bounce and you could not do a thing. Anyway a few years later they did something I'm still trying to figure out those options disappeared and there was purchase % that u got back just like all card do. What happend to my stock options?? Now for the main thing I'm working with FTC following my recovery process and PP called them 8 mo 6 mo 4 mo, and also when it went on in XXXX of 2016 my primary email XXXX was having hackers taking it over I lost control of it so I switched to a XXXX I also moved in with my GF I change it all on PP. Any way The hackers crashed my site on XXXX 15000+ 100 % top rated. I told them to help me and it was not me doing all that bad service, The crooks were changing my shipping address and my ship out times and passwords it was a nightmare PP put dual security I thought good did not help one bit. The text with the code would bounce out before I could read it, So their bright idea was to lock me out. They left everything selling, I would see it sell and customers would pay so I would shop it out, Then I was contacted by a long-time customer asked what's wrong? I said what do you mean. He said he received a letter XXXX they sent it to all my customers I'm taking thousands the letter stated that I was selling outside of XXXX as parameters which I was not it's not true!! then all the customers started returning the products they didn't come to my address they went elsewhere? XXXX? I moved my address was updated to XXXX customers called me and said they were starting a return and not sending the product back and they got to keep {$520.00}. XXXX XXXX nothing I could do I closed I disconnected Paypal and left my balance in the +, I'm supposed to be protected I know all about online safety after 25 years. So I heard. im 4000 or more in the red they were selling on my account after I closed, I made police reports and begged for help I just lost my only source of income and Every time I called in it was 4 hours and no help. I lost everything I had built. Now they help can't get a 1099-k 8 months ago and asked every time still sending it to XXXX I told them where I live, people calling in pretending to be me and getting my money and things Please help
X/XX/2017 I received a response to the last complaint that I submitted. The response was that the bank will lose too much money to sell it at market value with the liens, closing costs and commission. I asked for a counter offer, or an amount that the bank is willing to accept so I can list the property at that value. The bank refused to give a counter offer or a number that they are willing to accept. -The banks reasoning is that market values, closing costs, and commission changes regularly. -There has to be a number that they are willing to accept or they will accept anything. There is a threshold and refusing to tell me that has seriously hampered my ability to short sale the home in a timely manner. -This has forced me to do a deed in lieu instead of a short sale. -I will be watch this property closely and if it sells for less than 68k I will be bringing a suit for Tortious Interference and Deceptive business practices. -I have tried to short sale the home with this handicap for 22 months. - I was very hopeful that the offer matching the market value would be accepted.
RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Bank of America at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
XXXX XXXX
I applied for a Loan with Wells Fargo and was issued a Rejection Letter on the grounds the Load Department ( underwriter ) had no copy of my Credit Report and yet another Letter, printed a day before the Rejection Letter, clearly indicated a Credit Report was pulled the day prior, which Credit Report obviously was not matched up with the Loan Department. My credit is " excellent '' per the Three Bureau Reporting agencies provided by XXXX ( no collection, high score, no late payments, no judgement, exc, all directed to a good solid Credit History as far back as the records record ). 
A request for reconsideration on these grounds was issued to the Branch, but as to date, no answer. I am XXXX XXXX XXXX next XXXX.
Experian is reporting a account on my credit report that they have already verified and up dated my credit report as being included in my bankruptcy and discharged, now the are reporting this account which is XXXX XXXX XXXX as a negative account, this is a clear violation of the fair credit reporting act. Why are they changing my report with no explanation.
On XX/XX/2019 I was attempting to login to my accounts and discovered both my business and personal accounts were locked out. I contacted the customer service number and was transferred to the account closure team who informed me that Bank Of America decided today that they would be ending the business relationship with me for no reason. 

I asked about the funds in my personal account and was told that they would not be releasing my funds to me. I want to make sure that my funds from my personal checking account are released immediately and I am paid interest for the days that I don't have my funds. 

Further legal action will take place if needed.
We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.
This will be my third complaint submitted regarding this company. XXXX XXXX XXXX, a credit agency working behalf of XXXX University. In my last complaint I explained how the information provided was inaccurate. I requested that the information regarding a collection account on my credit report reporting negatively be validated. Until this day this information still has not been done. The company however did send a letter that I will have attached to this compliant. This letter states information that AGAIN I want to VALIDATED. Due to the lack of cooperation with this agency I went to the source. My XXXX provided to get them to validate the information. This could not be done. Due to XXXX services not being able to validate this information this loan along with other loans have been deleted from all three credit bureau. I will provide a copy of the deletion from XXXX credit bureau to this complaint. If this was case that XXXX  services could verified and validate I would cooperate with the company how this could not be done. At this point and time I am considering the actions by Ability Recovery Services and XXXX University as harassing and will continue to go as far as needed to settle this matter. I am currently working with my attorney to see what is needed to take this case to court if this account is not delete from my credit report. This company has failed to provided the necessary information and the main source of their information XXXX has step up and deleted the account from all credit bureaus due to it being inaccurate.The company is reporting funds were returned to XXXX  XXXX however XXXX XXXX has deleted this account along with other due to inaccurate information. I will allow 30 days for this company to respond appropriately by deleting this account from my credit report. If this action is not taken I will move forward with the next step in the legal process.
I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from.
My mortgage was purchased by PNC Bank. I tried to pay extra money directly to the principal of my mortgage. I wasnt able to pay without a checking account with the bank or process which required extra fees. When I contacted the bank they told me to mail in a check. What kind of national bank does not have the option to electronically pay?
Unauthorized inquiries applied to my credit file. I contacted Equifax 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Equifax liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Equifax continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Equifax which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Equifax to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Equifax ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Equifax has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Equifax. 
Thanks, XXXX XXXX XXXX
On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.
I continue to receive calls about a loan that I do not owe. I was told that the Loan was taken out in Indiana and that they have a picture of me going into the store. I have contacted the company and confirmed that this is not mine and they have not initiated any action against me. I was contact by Oxford Law and a XXXX XXXX was the last to call. The number the called from is ( XXXX ) XXXX. I have given them my attorney 's number several times and they just hang up on me.
I sent a letter to Synchrony Bank requesting that my XXXX XXXX account be closed as I am no longer able to make payments. I also requested that the account be closed ; however, my credit report reflects that the account is still open.
After 25 Years an account from XXXX showed up on my credit report with a zero balance but a past due amount of {$6000.00}. I am trying to refinance my house and would like it removed due to age and unfairness of reporting such an old debt. I have filed a dispute with Experian XXXX, but have not received any resolution as of yet.
I applied for loan modification in 2010 which granted per attached approval notice from lender. Later, the lender applied rates not according to the approved loan modification notice. 
I request correction and full compensation from lender.
I feel as if I was over charged and constantly harrased with letter and phone call from Navient. Why was my loan even sold to another company I 'm still so Unsure of that also? Then the late fee 's and interest are just way to high this is not what I started off with when I had XXXX. I am on fixed income ssi every month there is no way I can afford these interest rates they are NOW applying on my account.
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under XXXX XXXX in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX sent me a copy of my XXXX MTG Statement. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX  XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX  XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX  XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.
To whom it may concern, My income was reduced and I was having trouble making my mortgage payment so I contacted my Lender ( Seterus ) XX/XX/XXXX. I soon found out it was to be the worst customer service I have ever experienced. They were/are flat out rude, arrogant and very unprofessional. 
I was only trying to do the right thing and contact them to let them know my situation and to ask for assistance, and they flat out told me we were going to lose out house and there was no hope for us. Please see attached fax coversheet information dated XX/XX/XXXX when I originally sent in our request for assistance. 
I filed out and sent over all the correct mortgage assistance paperwork and Seterus confirmed they received it, but when we called to inquire about the status the representative was outright rude. 
I insisted on speaking with a Manager and then XXXX come on the line ( XX/XX/XXXX on or about XXXX ), I soon became aware this was obviously not the right thing to ask for. He was XXXX ruder than the first person I spoke with, probably one of the rudest persons I have ever spoke to. 
He started threaten me as well, stating we would never be able to save our house no matter what we did and/or asked for. He went on to say, we would never, ever qualify for a loan modification. He would not even listen when my wife and I was trying to answer the questions that he was asking us, he just ranted on and on and on, telling us we were just going to lose our house. He made it impossible for us to even talk to him. We just gave up. 
Then recently, I applied for mortgage assistance again XXXX because we were flat out denied the first time we tried. After sending in all the required documents we received XXXX ( XXXX ) very different responses in the mail. Please the see attached letters -- - now I am very confused on how to proceed. This is ridiculous. 
So I called the help line again at XXXX ( XX/XX/XXXX XXXX ) to try and find out what is really going on and spoke to XXXX individuals this last time. XXXX XXXX and then her manager. The Manager said if we do n't make our mortgage payment by XXXX XXXX, 2016 they will not modify us at all. 
We feel everyone deserves a fair chance, and should not have to be treated like some criminal when talking to these big-shot lenders. 
For what it is worth, that is my story. 
It is truly unfortunate that they treat consumers the way they do.
I closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.
On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX checks were deposited into my TD Bank account without my knowledge or authorization. The signatures on the back of the checks are a forgery of my signature. On XXXX XXXX, XXXX there were XXXX XXXX XXXX XXXX unauthorized ATM withdrawals from my account. On XXXX XXXX, XXXX there were three ( 3 XXXX unauthorized ATM withdrawals. There was also an unauthorized charge made at a XXXX store. TD Bank called me to report a possible illegal transaction. I confirmed with TD Bank by phone that the transactions were indeed fraudulent transactions. I had virtually no money in my account so therefore I should have had no activity. TD Bank can easily ascertain that the transactions were unusual for my account as they obviously presumed when TD Bank called me to report the unusual activity. I filed a Police report as soon as I received the telephone call from TD Bank alerting me to the fraud. TD Bank had carried a negative - {$2100.00} on my account for four ( 4 ) months. Then for several months I received bank statements and the negative- {$2100.00} did not appear. I recently settled a XXXX ' XXXX case. Once the settlement was deposited into my TD Bank account, TD Bank used " self help '' and debited my account for {$2100.00} ( XXXX offset ). This was the amount that was illegally obtained through their ATM machines. TD Bank, knew that I was a victim of fraud. TD Bank 's erroneous position that I am liable for the theft that TD Bank allowed to occur at their ATM machines is ridiculous. The XXXX detective informed me that the video at the ATM machines where the crimes were perpetrated clearly show that I am not the person at the ATM machine withdrawing the money.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.