WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished!
I previously have had an account with Bank of America and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.
I disputed the balance because it should have been reported lower than they were reporting on equifax and they removed the entire account dropping my credit score
In XX/XX/XXXX I started to file bankruptcy. Before I finalize the discharge I talked with a bank manager at my branch about my personal credit line over draft of XXXX attached to my checking acct, I was told that anything or over draft that at the time was not going to have any effect with filing BK and will remain open as I continue paying my monthly payment I will have access the use of this acct. So my BK was discharged XX/XX/XXXX. I was notified by letter two years later XX/XX/XXXX after BK Chapter XXXX discharged that they noticed I filed BK Chapter XXXX and they were closing the use of my overdraft personal credit line protection due to BK filing discharged if knew that they were going to close my acct anyways I would have continue making payment to it for the next two years after bankruptcy never late and always making a payment, at the time so since I was told one thing by bank manager in XXXX XXXX XXXX XXXX handling my acct and two years after discharge a totally different scenerio With letters attached. Im not going to pay off and should be not a open negative acct since I could have added to my BK. This is not fair and I want to be compensated for bad open neg acct by how it is reported taken off My credit report and discharge on my BK or just forgive debt, or reopen acct for use and I will pay it off if they reopen it these are the options and as fair consumer finance operation and integrity of Rabobank and our Government It should be resolved, without it stressing me out or my credit report. Thank you and I wait your response XXXX XXXX
On XX/XX/2013, I filed for Bankruptcy Chapter XXXX to avoid foreclosure on my home. I had fallen behind on my mortgage payments due to a serious illness which had prevented me from working. I have been making monthly payments to my mortgage company for the last 5 years as well as monthly payments to the court appointed trustee, and according to my records, I have completed all payments to the trustee. As my bankruptcy attorney was completing " Final Cure Payment '' paperwork, my mortgage company claims that my postpetition payments are not current and I owe them an amount of {$10000.00}. I feel that my rights are being violated in accordance with the bankruptcy laws. I feel my mortgage company is in error. I have " Mortgage Account Statements '' from them that I have used to make my monthly payments to them on a timely basis. Their error causes a problem with my bankruptcy discharge and my home is in jeopardy.
I have owned my home for 10 years and have XXXX mortgage liens with Bank of America. Due to financial hardship, loss of equity in my property, and loan fully amortizing, I have reached out to Bank of America for assistance as I can no longer afford my payments on my mortgage loans and do not want to loose my property or tarnish my credit. On XXXX I contacted Bank of America to inquire about my options, she said I would have to speak with the loan modification department. Bank of America 's customer relationship manager stated that because my property was located in California that I could have someone contact me within 14 days to discuss further. She set an appointment for XXXX/XXXX/15 at XXXX and I never received a call. XXXX I called Bank of America at XXXX asked why I did not receive a call and there are no notes in my file to why. The lady proceeded to begin the review process, took my financial information and stated I qualify for loss mitigation assistance and a customer relationship manager should be in contact by phone in 5-7 business days. As of XXXX/XXXX/15 I have not received a phone call from Bank of America. I called a third time and spoke with XXXX XXXX, customer relationship manager. He stated on XXXX my telephone number had been requested to be removed and someone update my number to XXXX, this is concerning as I never removed my number and now someone has my personal information and is capable of updating my mortgage information. Per XXXX he updated my phone number accordingly and furthermore gave me my XXXX name and set up a meeting for XXXX/XXXX/15 at XXXX, I verbally approved to be contacted prior to XXXX as I work from 8-5pm and can not take personal calls. XXXX also stated that he emailed the customer relationship manager and their manager about the appointment. XXXX by XXXX I have not received a call. I am a homeowner who has made on time payments for 10 years, I am seeking assistance and at a loss what to do as I have tried multiple times to contact my lender and Bank of America has made little effort and empty commitments. I am very concerned that my credit is going to be affected due to Bank of America 's inability to communicate and follow through.
Bank of America has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Two unauthorized charges on my checking account. XXXX {$160.00} and XXXX {$77.00}. I have contacted USAA on XXXX, XXXX, XXXX, XXXX and XXXX/XXXX/XXXX, and USAA refuses and/or declines to initiate a fraud investigation and restore this money to my account. I do n't know why this bank is being complicit and cooperative with this fraud, but I have exhausted all attempts to favorably resolve this with this bank. I do not believe my money is safe with this bank as the runaround and refusal to act is perplexing and unfathomable. They refuse to acknowledge, respond or take action. I have no choice but to believe this bank is being duplicitous with its customers for whatever reason ; and is somehow cooperating with the fraudsters.
I have a car loan with Santander. I was behind on my payments but was able to get everything caught up over the past month. According to my online account I had paid the balance to XXXX. When I got my statement it showed that I owed the regular payment plus XXXX in additional fees that was owed. When I called in today the automated said that my balance was just this month payment and next month payment. When I actually spoke to someone she said that those fees are due even if it shows a XXXX balance and that the amount of fees on my statement is not what she is showing in the system. When I logged online today it shows that my next payment is not due until XX/XX/XXXX when I know my payment is due on XX/XX/XXXX and that my loan is current. I think that this lender is predatory and tries to make you miss or be late on a payment in order to collect fees. I started this loan XX/XX/XXXX with a XXXX balance as of today they are showing that my balance is XXXX according to the payment history ( attached ) and online ( attached ) and one my statement ( attached ) it is XXXX. How can this possibly be? I show a lot of my payments going to interest and zero to the principal. I think someone needs to look into their practice and how they are applying my payments as they are not willing to look at it or see what the issue is.
Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. 

On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. 

On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! 

On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd (  that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. 

On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. 

That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. 

I need these scammers to be prosecuted for stealing my personal information. 

I very much appreciate immediate attention to this matter.
XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Account balance is XXXX account is paid in full
Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX.
My wife was laid off recently so weve been running about 27-29 days late on making our mortgage payment. On XX/XX/XXXX and the XXXX I tried making my mortgage payment on the companys web site and I was given a message that stated that the site was down for payment processing and the payment could not be placed at this time. I tried to call and no one was available. I went online to make the payment on the first and I could not as the same message was posted. I also called to no avail. On XX/XX/2019 I am as finally able to make a payment but at that time they said they couldnt take one payment and I had to make two payments at once. XXXX and XXXX. My complaint is that they shut down the site and I was not allowed to make a payment before I was 39 days late and now it has effected my credit report. The customer service manager stated that they do this every month so its perfevtky legal with the CFPB. This is not true as you can not deny a payment within the 30 day late time limit and then report someone late because the site is down. He also stated that the payment would have been late anyway. Because the payment would have not posted until the next day which is also incorrect because the payment is paid when authorization is given, and not when it posts. I want the over thirty day late payment taken off my credit report and the payment system also needs to be fixed so that if someone needs to make their payment two hours before the deadline, they can.
Applying for a personal loan with XXXX we were Informed we had negative information on the credit report. This has been a continuing problem with all three Credit reporting agencies- incorrect data, wrong information missing information. In evry inbstance it has caused us grave financial harm.
Company name : Heritage Corporation XXXX XXXX XXXX XXXX, XXXX, IN XXXX Phone : XXXX XXXX This company has reported derogatory information to major Credit Bureaus on my behalf. Company claims that a debt of {$11000.00} is owed and has been charged off. i have written this company and requested for documentation to be provided to me of original contract and proof of my identity agreeing to such debt. In response this company represenative by the name of XXXX XXXX, replied to my letter stating she has no record of debt on file. this letter was recieved XXXXXXXXX2017. However, this company continues to report derogatory information into my credit file. <P/>I am asking that this company delete this inaccuracy out of my file after failing to supply me with any information that I have requested. This debt does not belong to me.
The item in question is a bill for a missed doctors appointment XX/XX/2011. I refused to pay it because I called them and cancelled the appointment two days before and even showed them the call on my cell phone bill. Other than that I have perfect credit. Regardless, it 's XXXX years old so it should be removed and I stated this in the dispute. XXXX and XXXX removed it. Equifax replied that they verified the debt as mine and closed my dispute. I never said it was n't mine, I said it was over 7 years old and submitted the original bill as proof that the collection agency sent me clearly showing the date. Even the collection agency admits it 's over 7 years old but they do n't care.
The rental company that I am renting from has filed numerous evictions against me because I pay my rent after the XXXX of every month with a late fee. These evictions are now showing up on my credit and background report. I am still currently in the residence and have never been evicted nor have we been to court for this. My rent would always be paid by the time papers were delivered to our house This is information is definitely incorrect. I would like for it to be removed immediately
8 to 10 collection accounts with inaccurate reported data. All medical accounts were there without my knowledge, assumed paid by insurance and or paid by me in full. Additionally, collection accounts for XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX are all accounts that were paid in full and no longer require payment due to fulfillment of the loans, lease agreements, and/or account balance.
Case # XXXX On XX/XX/XXXX at XXXX XXXX XXXX an amount of {$25000.00} was wired to Coinbase , Inc . 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Country United States As requested by coinbase the following has been verified and to their standard : ( 1 ) Identification ( ID ) has been verified ( 2 ) Incoming wire is in the matching legal name for the wire transfer ( 3 ) Unique reference code is included with the wire transfer for fund identification It is now XX/XX/XXXX and there is no balance on the coinbase account or a return of funds. 

I have received ONLY one line of communication since XX/XX/XXXX from support which is 10 Business days after the wire took place on XX/XX/XXXX from XXXXXXXXXXXX " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' I have tried communicating with coinbase through their support team via ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) XXXX.

( 4 ) Have tried calling the help center XXXX ( 5 ) Requested and submitted a form escalation ( 6 ) Sent multiple emails with minimal communication I do n't think its right for coinbase to tie up funds like this. There are numerous other cases like this where people have their funds tied up for weeks with no direct communication. People deserve to know whats happened with their hard earned money. 

I understand coinbase has an overload of customers but if you ca n't handle sensitive matters like this in a timely manner, then please do n't take on new customers and set up infrastructure to handle the large influx. 

All I 'm asking is to be considerate of everyone that choose to do business with coinbase. Thank you.
Took out a line of credit with this online lender XXXX. Requested they close the account and let me pay it off over time ( interest rate was too high, could not afford it ). XXXX XXXX who works for NCB debt collection for this place called my husband 's, my son 's and my home phone which I did not provide them with any of these. She was told not to call these numbers and she lied and said I gave them to her. Not true, I would never do that. Last night she called the home phone which we NEVER use, except for emergencies and asked was this " XXXX XXXX '' I said yes and she said who she was. I was really upset she has my e-mail, cell phone, work phone and home address. I made arrangements to pay monthly but one payment was returned. They reported me to the credit agency and I feel these high interest rate online loans should not be legal anyway so why should they be able to report to the credit agency. They say they are XXXX XXXX but they are just loan sharks.
Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX
I have XXXX hard inquries on my credit report from Clarity Consumer Services that state they pulled a hard inquiry from XXXX Credit Agency on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating XXXX and XXXX.I never had applied for any credit from these XXXX places or gave consent to pull my credit. I had disputed this with Clarity, faxed over a document, identification, and gave them authorization to investigate and was told they would not delete off my credit report.
I have had a contract on my property since XXXX XXXX 2017 and the bank has yet to consider the offer. They began by telling me that I have to go through the waterfall process and I understood that, I sent them over an opt out letter stating that I do not want to be considered for a loan modification, as I am XXXX XXXX and I do not know where I will be sent to next. Now they continue to harass me for bank statements that I have already provided and I am about to loose my buyer. Please help me to be able to get the short sale on my property done, as I do not know what is going to happen from day to day.
I started a saving account with Bank of America ( BoA ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?
I financed a computer through XXXX XXXX and eventually was late on multiple payments. After a final notice, XXXX warned me that my debt was going to go to collections. I then went online and paid off my debt to them, fearing my debt would go to a debt collection company. Some how, Midland Funding still acquired my debt and insisted I pay it. I told them that I had already paid the account off with XXXX and that they needed to verify their information with XXXX, but they obviously never did. I proceeded to get calls from them for the next 2 years over this issue, but I eventually began ignoring the calls. In XXXX 2016, I was sued for the amount of the debt by Midland Funding. I acquired proof from XXXX XXXX so that I can prove that I did pay it off, but I am worried about how this will look on my, already hurting, credit score. I honestly do not know exactly what to do in this situation, but I do not feel that I was treated fairly. I paid off a debt that I had owed, but yet I still have to go through the time and effort of proving I paid it to Midland Funding. Do the debt collection companies not have to verify they have a right to the debts before they sue people for them? And do they have the right to continually harass people for money that they are not even sure is owed to them?
On XX/XX/2018 I went into BBVA Compass Bank to inquire about a 2nd chance Checking account. I had just come from the XXXX SSA branch receiving a SSI payment in the form of a check. I handed the Sr. Sales person that check endorsed, though prior to her getting up to go to a teller, she did not reveal that there would be a 5 business day hold on any new account prior to depositing the opening deposit check. When she came back, she informed me of that policy, and I said that I needed access today to the funds, as ND she asked if I wanted to " retract '' the deposit, and I stated yes. She went back to the teller, came back with a piece of paper, asking how much money do I need. I can't really know for 5 business days, but stated {$300.00}. Not once did anybody notify me of that " hold '' being overridden. I was never heard I guess, for once a owner of the account makes a decision, who has the authority to " over-rule '' the account holders decision? I never asked after my statement " retract the deposit '' for cash or anything else. I, XXXX XXXX XXXX XXXX own the account, not BBVA COMPASS!! IT IS MY DRIVER 'S LICENSE, MY ADDRESS, MY PHONE NUMBER, MY SOCIAL SECURITY NUMBER, NOT ANYBODY ELSE 'S, WHICH MEANS I OWN THE ACCOUNT.. 

I EXPECT THE CFPB NOT ONLY TO INVESTIGATE THIS MATTER, BUT ALSO ALLOW THIS I TO COURT FOR LEGAL ACTION AGAINST BBVA COMPASS BANK! 
I EXPECT THE CFPB TO TAKE ACTION AGAINST BBVA COMPASS 'S BUSINESS LICENSE.