WillisBack/dataset-financial-user-claim huggingface dataset:
Simms Associates was hired to collect for my XXXX delinquent student loan accounts owned by the XXXX XXXX XXXX. Simms made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, Simms claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by Simms Associates and paid to XXXX XXXX XXXX, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with Simms Assocates regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at Simms Associates. 

I contacted XXXX XXXX XXXX to determine whether or not they provided my bank account information to Simms, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to XXXX XXXX XXXX. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to Simms Associates, then someone else did, and did so illegally. 

Simms Associates told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.
I XXXX XXXX from XXXX auto finance XXXX Texas. After making a couple of payments, they informed me that they had sold my car loan to Mid Atlantic Finance company. 
After two months, XXXX auto finance came and repossessed the vehicle because i owed {$610.00}. When i called them ( XXXX ) together with Mid-Atlantic, XXXX auto acknowledged that they have taken over the car from Mid Atlantic and that i should make payments to them. On the same day i called Mid-Atlantic and they informed me that they had sold the car back to XXXX XXXX XXXX and that if i have any questions i should direct it to XXXX. Following these conversations, i went ahead and made payments and was given back the car. I am current to date. From then it has been a nightmare. Mid-Atlantic finance has been calling me telling me that am late on car payments yet i have been making payments to XXXX XXXX. Today XXXX/XXXX/16 Mid Atlantic reported that am 60 days late but per their statement, i should make payments to XXXX XXXX
BANK OF AMERICA/ XXXX TRANSFERRED THE MONEY TO A WRONG RECIPIENT On XX/XX/XXXX, I sent {$2500.00} to XXXX XXXX . The $ left my personal checking account but never got to his account ; I used his cell number and full name to make the transfer. The XXXX transfer confirmation # for the transaction is XXXX o On XX/XX/XXXX, I initiated a dispute ( claim number XXXX ) with Bank of America to get the XXXX back. 2 weeks later, BOFA sent me a letter closing the case saying that the investigation was closed and there was nothing else i could do to receive the $ back. They said anyone can attach their phone number to anyones account ... makes no sense! where is the anti-fraud protection? I called BOFA several times, i went to the branch and no one can help. 
XXXX was also contacted with no help. They blame BOFA and vice versa. No one takes the responsibility to pay their client back the money that was never delivered. 
What can be done? I find hard to believe that being as big as XXXX is ( and it is owned by banks ), the services can be so unreliable. PS : I saw the bank statement from XXXX XXXX and i verified the money was never received by him. 
Thanks for your help, i hope there is something we can do to get the $ back from them. 
XXXX XXXX
I received a text message from XXXX with the following text : Alert- ( my phone number ) from WellsFargo-Bank : Your Debit-Card is temporary Locked. Please call us now at XXXX. Thank you for your time Obviously, this is a scam. I did n't try calling them, but hopefully you guys can help in shutting them down. I 'm not sure whom else I should contact if this happens again. 

Thank you, XXXX XXXX
In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$77.00}
I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency.
XXXX XXXX XXXX has continued to report inaccurate information on my credit reports each month. I have called inquiring about the account number associated with the account and they have sent me letters indicating that my account is closed and in satisfactory condition. As the months continued, I have checked my credit reports and this company is still reporting on my credit reports. So I called them and asked " why are they still reporting negative information on my account? '' She asked for the account number and I gave it to her. She said that this account has a zero balance and I told her that was correct and I have the letters that were sent to me showing that. I was put on hold and then she comes back and tells me that the account that I had has a new account number and has been sent to collections. First of all, how can I get a new account number and it's sent to collections when I have received information that my account was satisfied. On top of that, on my credit report, it shows that I have an original balance of {$3800.00} but I owe over {$7700.00}. This amount continues to go up every month. This company has deceived me and wants me to pay this amount of money in which I refuse to do because my account has been satisfied. They are unfairly reporting inaccurate information and this is detrimental to my credit.
I was sent a bill for charges remaining after moving out of my apartment. I did not agree with the charges, so I sent the original creditor ( XXXX XXXX XXXX ) a certified letter requesting verification of the charges. They received the letter, but never responded. Instead, they transferred the alleged charges to Professional Debt Mediation , Inc. ( PDM ) in XXXX, FL. PDM contacted me and I immediately responded with a certified letter requesting the same debt verification that I asked of the original creditor. We corresponded on a few occasions ( all certified ) but the specific information that I requested to prove the charges was never provided. I was able to do some research on my own to verify that all of the charges were not valid, which is why I insisted they provide further verification. My last correspondence with PDM was on XXXX/XXXX/16 in which I requested information and enclosed a money order for the only amount that I could verify was due ( which was later returned to me by PDM ). I did not receive any further communication from PDM regarding collection activity on this account and no one from PDM made any further attempts to verify this account. On XXXX/XXXX/16 I received an alert that the full charges were added to my credit report as unpaid. I am filing this complaint ( against both XXXX XXXX and PDM ) because I did not receive verification of this debt. I know for a fact that all of the charges are not valid and as a consumer I have the right to dispute charges and they should be appropriately investigated and confirmed before taking collection actions that adversely affect my credit.
XXXX XXXX Points were clawbacked from my American Express Account I tried asking american express to reinstate those points since I have closed the card as I have moved out of US for a while and wont be able to use the cards. 

XXXX refused to do so claiming I was trying to game the system!
We have been having a problem with a mortgage Modification loan with GMAC Mortgage, Owcen Loan Servicing and XXXX since XXXX/XXXX/XXXX. Yes some three and one half years. I have experience misdated letters, miscommunications, multiple relationship managers, 4 approvals for a loan and mortgage amounts and loans which did not match the information I was given by these companies. Since this has been dragging on since XXXX we have had to incur some {$88000.00} of interest and fee 's we believe needs to be credited on the loan by Owcen Loan Servicing, LLC. They are now trying to schedule a " Trustee Sale '' for XXXX/XXXX/XXXX even though they have a new packet ( application ) in review which is a violation of The federal governments Affordable modification Act. I have just sent all companies concerned a demand letter asking to have the " Trustee Sale '' Cancelled upon pending application review and to send us a certified letter no later than XXXX/XXXX/XXXX resending that sale. We are in receipt of all communications with these companies, expanded summaries of the situation and a " TIME LINE '' upon request. Our HUD/XXXX Representative from XXXX XXXX - XXXX XXXX XXXX suggested we file this complaint with your office.
I received a letter XXXX XXXX XXXX saying I was going to be placed in collections for money owed to XXXX, XXXX A MD, XXXX. i called on XXXX/XXXX/XXXX and spoke to a person by the name of XXXX. I explained to XXXX that I do n't know who this doctor is, that I never made an appointment with them, I did not sign any forms giving consent of treatment and that I want this company to send me proof that I did any of these things. She was very rude on the phone and told me that she would send me the proof. I have not gotten any proof but I did receive another letter saying I owe this money.
There are multiple debts form XXXX collection agency listed on my credit report. Experian is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Experian, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from XXXX they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX    XXXX   Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from  XXXX .   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
I opened a CitiGold Bank Account in XXXX XXXX, 2016 and I opened it because of a promotional sign-up bonus offer from Citibank for XXXX XXXX XXXX AAdvantage points. These were to be placed in XXXX XXXX AAdvantage account XXXX. They are charging me {$30.00} a month for this checking account. 

As a long time Citibank XXXX XXXX AAdvantage Credit card holder, I verified that I was absolutely eligible for the offer and that the promotion code and promotion was attached to my account when I spoke to customer service at phone number XXXX on XXXX/XXXX/2016. Both Citibank and I have an audio recording of this call for quality purposes. 

I completed the terms that required spending {$1000.00}. on my account 's debit card and 1 or more online bill pays for 2 consecutive months. Further, it stated that these XXXX XXXX Advantage points would be put into my account within 90 days. I did everything that was required and they have not given me my points. This is happening to hundreds if not thousands of people and Citibank is not being honest. This bad experience is making me re-examine my banking relationship with Citibank as well as my credit card relationship with Citibank.
I can no longer make the {$180.00} payment that is scheduled to come out of my account every other week. I took a loan out for XXXX and an interest rate of 593 %. I did some research on the loan and in Illinois it is illegal to have loans out for more than 400 %. My son has some mental health issues and we needed money quick but after doing some research I found that i shouldn't be paying this much interest.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went up they reduced my limit which brings my score down. I h ave kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
We disputed the date of first delinquency reporting on a credit account. The first delinquency was over 7 years ago. A few small payments were made for less than the minimum due, and several automatic payments were returned, therefore, the account was never brought current after the first delinquency. We submitted documents from the credit reporting agency and from the creditor regarding payments and documents showing the account was never brought current. The credit reporting agency stated that even though they had the documentation and that those documents proved the date of first delinquency was not reporting correctly, that they would not remove if the creditor stated the account should be reporting. I asked  2 su pervisors at Equifax about reinvestigating under FC RA Section 611, and Equifax stated they could not reinvestigate based on any documents the consumer provided, only by what the creditor reported. This seems like a violation of the FCRA 611, and I   do not think Equifax is following this regulation correctly, because what I submitted were documents from Equifax and the creditor as my documentation for the dispute.
I currently doing refinance with HSBC. My loan submitted in XXXX and they locked the rate for 90days. My mortgage got approved XXXX and they started to work on the subornation XXXX. In XXXX before the rate expired I have told them to extend the rate, their employee told me the rate has expired and they will extended. My rate was locked at 3 % and on XXXX XXXX I received an email for closing cost that my rate has increase to XXXX. I called HSBC again. My answer was your rate has expired then they will use the new rate. I feel HSBC is misleading their customer and they are cheating me as their customer. Their employee send me an email saying you either have to take it higher rate or pay {$4400.00} For 15days extend. My self is mortgage banker at another lender and I know how the extension works. For. 14 days charge I should n't pay for {$4400.00} or my rate went up since I already lock so what is the point of extension for? I need someone to help
Over  one year ago I contacted the mortgage company to find out what we had to do to get the PMI removed from our mortgage. They would not even give me any information and said they would mail me the information I needed. They sent out refinancing applications. I do not want to refinance the mortgage I just want to stop paying PMI. I have over 35 % equity in my home and my PMI should have been removed after having only 20 % equity. I called them again 2 weeks ago and  they still said I can not talk to anyone about this issue and they will mail me information. To this day, I have not received any information.
I have sent letters to TransUnion and XXXX about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy
I previously paid the debt to diversified consultants and they continued to report negative information to transunion almost every other week. I never signed a contract to diversified and I never recieved a bill nor have they ever verified or validate the debt I paid to have this negative account t off my report as I 'm trying to buy a house it was showing negatively on my report and every time I contact them I always get the run around sometimes they even tell me I did n't paY them when I have proof I did
I have a a unverified account from CREDIT MANAGEMENT COMPANY # XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I opened a Cap One XXXX account in XXXX 2016. I use it as my primary financial accounts for Checking and Money Market. My monthly transactions consist of my XXXX paychecks that are direct deposited to my Money Market along with various monthly rent checks from my investment properties. Currently I have almost {$100000.00} in both of my accounts. Around XXXX/XXXX/16, Cap One XXXX posted on my on-line account that my " Funds are currently unavailable for withdrawal. Please call us at XXXX ''. I have called the past few days to find out why. Each time I called I was on hold for over 1 hour and finally hung up without taking to anyone. Today, XXXX/XXXX/16, I was able to talk to a representative waiter 30 minutes on hold who then said he had to transfer me to the Customer Security Team who is the only source that can discuss with me why my account was put on hold. He said it would take only another 10 minutes on hold. Forty five minutes later, I am still on hold .... apparently I was told by multiple reps that they have experienced higher than normal wait time. Several of my monthly autopay bills, such as my monthly mortgage payment is at risk until Cap One resolves this issue. I requested Cap One to send a check to my renter who lives in XXXX, VA from my checking account last week. Cap One did not issue the check. After multiple attempts to contact Cap One XXXX, I am very concerned that I ca n't reach Cap One to find out why my funds are not available for my use and more importantly Cap One has made no effort to contact me directly in this serious issue. I have no access to accounts to withdraw cash or pay my bills. My credit score will be negatively impacted and I am potentially at risk for my mortgage default since I ca n't withdraw funds. I visited the Cap One brick and mortar branch who basically said they can not help me only Cap One XXXX. I need assistance on how I can access my funds at Cap One XXXX. How pervasive is this bad business practice that Cap One XXXX uses to hold customers accounts hostage? Customers are not able to reach the Cap One XXXX team to obtain validation as to why there is a restriction for no reason. Thank you!
Paid off my XXXX loan and XXXX still refuses to fix it on my credit, making it 120 days late when I have all the pay off, info proof that it was paid off same for transition both bereaus have been preventing me from getting a car, and causing XXXX and ruining my life