WillisBack/dataset-financial-user-claim huggingface dataset:
I have over {$250000.00} Goldman Sachs Bank Saving Account. This account was blocked due to a divorce case and waiting for settlement. Now the case is ended and the court ruled out this account belongs to me. I sent this CERTIFIED JUDGMENT ON XXXX ISSUES to : GOLDMAN SACHS BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX As per Goldman Sachs Bank requested, I sent the original certified court order and it was delivered on XXXX. I called them on XXXX and spoke with XXXX of their associate. She told me it takes up to 7 days to process. The next day, I call them again. This time I spoke with the manager, XXXX XXXX. He stated it takes up to 30 days to process. I told him XXXX XXXX and XXXX at the local branches here ( XXXX ) take only 2 hours for their corporate legal department to unblock an account. Why Goldman Sachs Bank takes that long? I suspect Goldman Sachs Bank uses my money for trading and the funds are not available to pay me back. 
I guess next month if I call them, they will tell me it takes another 30 days and so forth ... 
I am unemployed since XXXX XXXX, XXXX. I need money to pay back to my relatives whom I borrowed money from. I need money to pay my rent ( I live in a mobile home park ), property taxes, and foods for my family and I need to use the money to invest in XXXX just in case an economy crisis or inflation. 
Best Regards, XXXX XXXX
I accidentally had PayPal draw funds from the wrong source to pay for XXXX separate transactions. When I realized the mistake, I promptly called PayPal to change the funding source and ensure PayPal would receive the funds they fronted to pay the sellers. I was informed that it was impossible to change the funding source and that they would be trying to receive funds from an overdrawn account in three days no matter what. It is unacceptable that PayPal will not allow me to prevent further overdraft of my checking account and ensure their swift repayment from an alternate source.
mother deceased and someone received acess to her time deposit certificate that has no business and does not even know my mother i the executor and it was transfer from a bank in another county and then into his account and XXXX XXXX XXXX XXXX and then transfer to us bank on mom last statments there was around {$45000.00} and at the time of transfer it was done with a XXXX XXXX forged bankruptcy by XXXX XXXX XXXX who is the investgator for this area and it a been proven that he had us bank on a penal code 1155.200 2 % of my deposit in my own account with the wording of unavailabl ; e funds and i never saw them back into my account when i ask no one told me about this next incumbent b.s. the rules that i received say its for homeless people i thought you would be interested in these rules i will forwad them to you and fraudlant charges that the fraud dept credited and us bankl did not credit account they closed this account i have been very patient and i did not want to do this but i have no choice..

p.s social secuiry given to a unknown person as a domestic partnerwhich is social secuirty and the va also gave gi money that was my fathers and he is deceased.

respectfully XXXX XXXX
My name is XXXX XXXX, I paid off my car ( XXXX XXXX ) in XXXX and had car loan company sent the report which identify my paid off car loan to 3 major Credit bureau, 2 of them ( XXXX, XXXX ) updated my credit report but XXXX  failed to updated my credit report. the car loan report still show up on XXXX  credit report. since i am apply for home loan and need clear my credit report, i tried contact XXXX and they always said nothing received from my car loan lender. 

pls help me with my problem, it 's very important for me to clear car loan on XXXX  Credit Report Best Regards XXXX XXXX
Just this past week I received from Chase another statement, dated XXXX/XXXX/16 if you compare it with the other one dated XXXX/XXXX/16 you will see the difference in not only the amount of their monthly payments, but also Chase stating on one of them I am missing payments since XXXX 2016 and the other since XXXX 2016. The math in the minimum payment is nuts! going from {$420.00} -- also wrong including many errors -- to over {$600.00} -- per month. All of my payments are in there records many times!! they are altering the records to push me into fraudulent foreclosure. Someone needs to do the math on all of their records which contradict their own numbers.. Just see these XXXX attached is one of many samples of Chase Banks altering records. I am amidst investigations and Chase is being aggressive towards committing fraud to push me into the streets to take my home in any manner they can before they are exposed for their crimes, and abuses to me. Chase also refuses to pull me out of this FRAUD foreclosure while these investigations are taking place, including the FHFA, FHFA-OIG and etc ...
I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XX/XX/2015 for the amount of {$73.00} from XXXX ( see attachment pg.XXXX ). The seller sent me an email infng me to return the item for which he would refund me {$64.00} minus the shipping charges ( see attachment pgs XXXX ). I returned the item by XXXX on XX/XX/2015 ( see attachment pgs. XXXX ). The seller received the return on XX/XX/2015 ( see attachment pg. XXXX ). I called BofA soon after the return but I had not received my refund from the company. BofA representative assured me that the charges would be refunded but I do not see any refund. Please help me get back my refund.
I sent letters to   XXXX   to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
I ask the company to check the validity of my accounts with recoverable receivable. These accounts have the same amount on some balances. Also I wanted them to validate that I 'm the intended party they are asking for. Experian only verified the accounts but did n't validate them. After even talking to a agent at the company they advised me themselves to dispute the account because it did n't look right. They asked me to send proof so I sent my driver license and I still did n't get a reply from them.
XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, XXXX, Experian, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
I was laid off my job and this account was turned over to a collection company called Real Time Solutions. I received the letter from them in the mail and I called them to make arrangements on the account. I spoke to XXXX XXXX who set up a Hardship Agreement with me to make payments for {$150.00} a month for XXXX, XXXX, and XXXX of 2015. I was told to call back and set up more arrangements after those payments were made and I did to find out XXXX was no longer with the company and I spoke with XXXX who offered me a settlement on the account of {$1800.00}, and to make payments of {$150.00} a month for 12 month. XXXX representatives confirmed and assured me that they would not report me with the XXXX Credit Reporting Agencies and the account was settled. Since I have paid as agreed.I was also suppose to get a letter in the mail confirming the settlement of which I have not received. Today XXXX XXXX I received a email alert from XXXX XXXX where they did report me to the credit reporting agencies on XXXX XXXX, 2015 and are showing it as a new collection account open not settled for the entire amount that was owed. I called in and spoke to a Manager XXXX XXXX and he would not assist me. He told me even though it was reported after I was told it would not be and reporting inaccurately I would have to file and write a dispute letter to their company to correct it even though it was their error for reporting it. He also mentioned that the account could have been purchased by their sister company and reported by mistake? I would like the collection to be completely taken off all my credit reports as promised. I do not owe the amount reported and was told since I paid on time and settled the account they would not report it. I am set up to make my XXXX payment starting XXXX XXXX, 2015 by auto payment. He also stated that because the account was not paid in full they could report the original balance it was their right by Federal Guidelines. The conversation was recorded so you can request to hear the conversation. Lastly from the beginning I was told that because I have paid as agreed and entered into the settlement the account would not be reported.
Disputed inquiries on credit report and credit bureau responded without addressing my concerns. Sent a form letter explaining how inquiries on report, however verification nor deletion was done as requested. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
My personal information was leaked by Equifax through a hack. After checking on their provided website to see if I was affected, it showed that my information had been compromised. I understand they are also a victim in this hack, but nevertheless, their responsibility is still large.
I have received several phone calls from this company about debt for {$110.00} {$100.00} another for {$100.00}. I have advised them of all the information they needed the first two times and told them to stop calling me. I still keep receiving phone calls, but nothing in the mail. they do not have any valid information in there system on me besides a phone number. They have been forcing me that I better pay or else etc.
Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.
I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???
I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving.
XXXX keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you
We sent in a Loan Modification application on XXXX/XXXX/2015 to the lender, Bank of America. at that time, they had a sale date scheduled. we requested a postponement to allow a review and it was pushed out to XXXX/XXXX/15. we waiting for over XXXX weeks to get an update, calling weekly, only to be dropped into the voicemail of a XXXX XXXX who was the assigned SPOC. he never returned our called. we sent in updated documents on XXXX/XXXX/15 along with a Notice of Error, QWR, and Demand for Response - XXXX Days. As a result, the sale date for XXXX/XXXX/15 was canceled. we continued to call for an update and were told on XXXX and XXXX by different agents that the file was in review and no docs were needed and there was no sale date set. We received a letter from the Counsel for BOA on XXXX/XXXX/15 that there was a new sale date set for XXXX/XXXX/15. we sent another Notice of Error citing that BOA told us the file was complete and in review so no new sale date should have been set without explanation or cause. on XXXX/XXXX/15, we spoke to XXXX XXXX who stated that the file was incomplete since XXXX/XXXX/15 and that he called XXXX times. the number he called was out of service, which he acknowledged. he knew we were the counsel for the borrower and I asked if he had our number. he said he did but that " we do n't have to call you if we do n't want to ''. we were floored by this attitude and lack of consideration. he also said the file was closed on XXXX/XXXX/15, XXXX day after we were told the file was complete and in XXXX review. as of today, we have sent in all of the requested documents BOA claims were requested, they were faxed and email on XXXX and XXXX for good measure. this is a gross mismanagement of the review and Loan Mod process and we insist that the sale be postponed and/or canceled to allow for a proper review.
My half-sister ( XXXX XXXX XXXX ) visited XXXX Hospital in XXXX, XXXX in XX/XX/XXXX, where she took my niece to be treated. I was not present and had no knowledge of this visit. Over a year later, her unpaid balance suddenly showed up on my credit report, with the bill coming from XXXX XXXX XXXX ( XXXX ). I visited XXXX Hospital in person in the fall of XXXX, where they discovered that my name had " accidentally '' been added to the account as a guarantor. I had my name removed from the account. XXXX contacted the debt collector and the debt was removed from my credit report. 

In the spring of XXXX, the debt showed up on my credit again, this time from a different debt collector. I went through the same process again. I disputed the debt, called XXXX, called XXXX, and the account was once again removed from my credit. 

In XX/XX/XXXX I relocated to XXXX, XXXX for work. Within a few weeks of my move, a debt collector ( Phoenix Financial Services ) sent a letter addressed to XXXX to my new address in XXXX. I returned to sender and included her correct address. Now the false account has showed up on my credit report again. I immediately called XXXX, who acknowledged their mistake and admitted that my name was not completely removed from their records. I then contacted XXXX and demanded that she pay the bill immediately, which she claims to have done. Finally, I disputed the false account with Phoenix. Phoenix responded to my dispute yesterday and said that the account was " verified '' and that they have proof it is my account. This is impossible since I never signed anything, was never present at the hospital for any treatment, and have never been financially responsible for XXXX or her daughter.
I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted!
My daughter has XXXX student loans from Wells Fargo Education Financial Services in the amount of {$63000.00}. from her XXXX education. She spent three years getting her XXXX XXXX XXXX degree from XXXX University on full scholarship and graduated in XXXX XXXX. She is working and ready to start repaying the loans, however the payments are too high for the salary she makes. We have always planned to pay off the loans when she graduated with the equity in our real estate, which is currently on the market. I have requested Wells Fargo reduce the interest and extend the terms of the loan to a payment that she can effort until our real estate is sold. Wells Fargo reduced the interest less than 1 % and will not extend the terms that would reduce the payment. The first payment is due on XXXX XXXX, XXXX and if Wells Fargo will not extend the terms until the sale of our home is complete, she will not be able to make the first payment close to {$600.00}. Based on the salary she makes, the numbers just do n't work. I will attach the details in an attached letter sent to Wells Fargo Executive Customer Service Committee, but would appreciate any help the Consumer Financial Protection Bureau can provide my family. Thanks in advance for your consideration in this matter and I look forward to hearing from you soon. I really need your help!
Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me
I actually attended XXXX career institute in XXXX XXXX, MI from XXXX to XXXX. My school was XXXX down after coming under federal scrutiny for fraud, falsifying tuition, grades, and falsifying the promoise to help students find a job. They did not even help me attain my state license. Now I am close to XXXX in debt. Navient solutions currently is trying to collect on my student lloan, however after reading the information on the site it has come to my attention they may be doing more harm than good. XXXX other students had their loans forgiven after attending my school under XXXX colleges. My complaint is that mine have not been forgiven and that XXXX or navient may be charging me more than i need to pay. My school is no longer recognized, not even in your list of schools on site. I do not feel i should have to pay so much and keep falling into debt for an education that is hardly recognized by employers. As a matter of fact most people who attended this school have difficulty finding jobs. That is my complaint. I am getting overcharged for school tuition for a school that the government shut down.
On XX/XX/18, I contacted XXXX to settle a past due debt. They informed me that my account was being handled by Diversified Consultants and gave me the number. I immediately called Diversified Consultants. I explained that I wanted to settle the debt of XXXX that is reported in my credit. The representative gave me 2 different amounts, each time putting me on hold as if he was speaking to s supervisor, before we both agreed on an amount of {$500.00} plus change. I asked him to send the settlement to me in email so that I could have it in writing before paying. He told me he didnt have access to email. I then asked him to mail it to me and I would pay it although I wanted to pay that day. He told me they dont do that unless you give them a credit or debit card to put on file first to know that you are serious about paying the debt. I told him that I was not going to give my card number to anyone without confirmed amount so that they could take my money then state that they did not agree to the settlement. He then said thats why they recorded the calls. I again explain that it was not smart for me to do that, I asked fo the letter again, told him I was going to pay that day once the amount was confirmed in writing. He would not budge and began to raise his voice when I asked for a supervisor. Hed told me the supervisor was going to tell me the same thing as he did so I ended the call without a resolution. The next day I received calls and got hung up on twice by a different representative.
Last year I realized that the l was a victim of Identity Theft. After contacting Equifax they along with the other two requested an Identity Theft report from local police. I have sent Equifax the information more than 5 Times and they refuse to correct the 6 Inquires and Collection account reporting ( ALL Not Mine ). Since they refuse to delete the inaccurate information I am contacting you for your assistance. Maybe they have not learned their lessons from the past.
Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally.