WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted. 

What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club. 

XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.
I pulled my credit report for XXXX and XXXX. Paramount Recovery Systems located at XXXX XXXX XXXX XXXX Texas XXXX number XXXX is on my credit report twice for the same Creditor which is XXXX XXXX XXXX for the same amount. I need one of these entries to be removed because it is a duplicate and this is affecting my credit. I need for XXXX and XXXX to removed one of these entries and I do not need for it to affect my credit score any worse than it already is.
Collection agency continues to send me threatening letters if I do n't pay. I sent them a certified return receipt letter which they signed for asking them to show me proof that I owe this debt. I submitted to them emails, statement and letter indicating I do not owe this money. One XX/XX/2017 they received my explanation letter and since than I have received two more letters stating this is the final attempt with out an explanation.
I have received a total of  XXXX  calls from an " unknown '' since Thursday,  XXXX / XXXX / XXXX . Last being at  XXXX  pm on  XX/XX/17    where I asked and was finally informed of the caller being from Synchrony Bank. I asked if they had called the prior  XXXX  times and was told yes by the caller. I was also told that I was  XXXX   ( 1 )  month late in my credit card payment. I told the caller that any/all future communication should be only be through the mail. I found the calls harassing as when I answered, the caller would just hang up and not leave a message. This practice of debt collection is outragious and a form of harassment.
A bank teller, XXXX XXXX, at the SunTrust Bank located inside the XXXX XXXX XXXX in XXXX, GA, applied for a credit card in my name WITHOUT MY KNOWLEDGE AND MY CONSENT. I went into the bank to cash a check when XXXX XXXX asked if I wanted to apply for a credit card. I immediately told her " NO, I DO NOT NEED ANYTHING ELSE ON MY CREDIT! '' I was unaware that she had applied for a card until the bank said the request for a credit card was denied. 

XXXX XXXX knows she applied for that card without my knowledge and or consent. I am POSITIVE she planned to obtain that card and use it herself - better known as IDENTITY THEFT. SunTrust has taken NO ACTION AGAINST that woman even though they have knowledge that it was applied for using her id to enter the system and or placing my name ( in her handwriting ) on the form. I do not understand why SunTrust has taken no action AGAINST XXXX XXXX. Further, XXXX XXXX called my home on XXXX XXXX, XX/XX/XXXX at XXXX. asking me to tell SunTrust that I DID APPLY FOR THAT CARD AND WITH MY HUSBAND 'S NAME ( XXXX ) ON IT. My husband left his world on XXXX XXXX, XX/XX/XXXX ; his name was NOT XXXX. I told her she should lose her job for stealing my social security number to apply for a credit card that I did not request. I wrote SunTrust and told them about the call which they can verify by checking her telephone records. However, SUNTRUST has failed to do anything to XXXX XXXX - yes she is still employed at the SunTrust in the same XXXX store. This " application '' for the credit card will appear on my credit which is a strike against my credit. I do not understand why SunTrust has not removed XXXX XXXX and issued ANY TYPE OF APOLOGY or compensation for the aggravation to me! 

I guarantee you that XXXX XXXX has used other individual 's social security ( especially senior citizens ) and received credit cards which she, XXXX XXXX, is using - she is guilty of identity theft on my behalf and I am positive on several other senior citizens who may not track their personal information. XXXX XXXX must be fired and forbidden to be employed in any field that contains personal information on individuals, especially senior citizens! 

I want her removed from that position. I want any reference to a credit card application removed from my credit report ; I want to be financially compensated for the frustrations and aggravations caused by XXXX XXXX 's illegal use of my personal information AND attempting to get me to lie for her. She is not telling the truth when she says she did nothing wrong. SunTrust is harboring a thief. SunTrust must review all applications XXXX XXXX used to apply for cards including the info on what she used to apply for a card in my name. They will confirm that she placed that request for the credit card. Further, the bank could probably XXXX that XXXX XXXX has a husband or someone with the name of XXXX to whom she is providing my information.
Omni Credit Services continues to call my home phone looking for a someone WE DO NOT KNOW. After numerous requests to stop calling telling them we do not know this person and remove our phone number from their list, THEY CONTINUE TO CALL EVERY WEEK, XXXX. This is considered harassment. 
Our local police department suggested we file a police complaint.
The vehicle was taken from me and auctioned. I tried to negotiate retention of the vehicle but was denied reestablishment. Later on the account was closed and still reflected a balance owed when it should reflect a balance of XXXX dollars amount. I should not be paying for a vehicle that no longer is in my possession that is fraud.
My sister tricked me into co-signing a student loan. She said it would be forgiven by the federal government once she graduated because she was a single mother. I have a XXXX XXXX and can not read well and can not comprehend what I read. My XXXX was a modified one since I could not earn a regular XXXX. ( This is being typed for me by a friend who I have explained my situation to. ) Since I work, I am being pursued for the loan. They loaned her {$30000.00} and want over {$100000.00}.
I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. 
He hi said that WFHM have not doing any illegal activity. 
I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. 
On XX/XX/XXXX WFHM send my Loan to Foreclose. 
I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. 
He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. 
Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. 
I did explain that Dual Tracking is Illegal in California as well. 
Wells Fargo should respect the law and do not operate above the law. 
Thank you.
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
I opened a 360 account with Capital One for a checking account. I deposited {$1000.00} balance into this account to keep it open. My account number is : XXXX. Routing number is : XXXX. Their phone number is : XXXX. I received one monthly statement or notice thereof, from Capital One. Thereafter someone saying they were from the bank called me and said he had to " verify '' my account, to determine if the bank would keep my account and the funds I put into it. He asked me numerous questions about my personal information. After 5-10 minutes of this he then said he had to again verify this information along w/ other information about my account. 
When he started asking me all of the same questions again, I told him I had other things to do and did not have time to waste answering the same questions. He then asked, do you wish to not be verified and i said, yes, I am tired of being verified and if they could not verify me with what they had already asked me to end the process and send my funds back to the account i transfered them from. I then hung up. 
When I did not receive my funds within the next 7-14days, I called Capital One and asked them where my money was. I was again told I had to go thru yet another verification process before they would return/ transfer my funds back to my original account. 

I have no intention of verifying anything else w/ this XXXX bank. it is my money. they have refused to let me use my account even though they already sent me a monthly statement and they have no right to make me verify anything to refund my money!
The loan amount was for {$1000.00}. However, I was unable to see my contract until after the loan was disbursed. The loan payments is {$300.00} birthday weekly totaling {$600.00} a month for a {$1000.00} loan. All payments are going towards interest and not towards the principal. This is making the loan very expensive. Therefore, the loan is costing me over {$6000.00} dollars. The contract lists the Interest rate at a ridiculous rate of 646. %. I was n't aware that I had to pay {$300.00} twice a month on a {$1000.00} dollar loan.
Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  XXXX   XXXX
Today starting around   XXXX   we started getting calls from   XXXX   XXXX   XXXX     XXXX  . Our bartender answered the phone told this man the owners and managers where not available at this time and if he would give her is name and number she would give it to us when we arrived. He would not just give her his name he was sarcastic and wanted all of her information. She is an employee and this was unnecessary on its own. She gave it to him and after continuing to ask her questions and her telling him she could not help and was very busy, rudely gave her his name and case #  XXXX . As soon as I arrived ( manager ) I called him and started by relaying how inappropriate his conversation was and if he needed something to put it in writing to us. He was extremely aggressive and intended on pushing buttons so I told him to just give me the debt information which he never did. I told him not to call and he not only kept calling but calling and threatening to take myself, the owners and bartender to court. Calling me uneducated trash and trying to get my personal information which he has not rights to. I finally called the police they came in and tried to call he would not come to the phone. The police left ( luckily only as far as his car ) and   XXXX   called again and I had to go to the car and get the officer to come in and handle him. The entire time we waited for the Police to come back in " he was on the phone with his boss '' this man tied up my business line and proceeded to push all of my buttons. He threatened my employer, my staff and my self and I do have plenty of customers that listened to it as he did it.. The officer told him if he had a concern to put it in writing and stop calling us. I was only able to get the name of his company by looking up the phone number on  XXXX . It is JMS Associates Contact Information   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Local   XXXX   XXXX   XXXX   XXXX    Toll Free   XXXX   XXXX   XXXX   XXXX   Fax  XXXX
OnXX/XX/2018. I pulled my Experian credit report showing my XXXX XXXX account for my XXXX XXXX XXXX still seems to show open on my Experian Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my Experian report as no payments are being managed by a counseling agency. On my XXXX & XXXX report, the account shows closed & paid off. I have been trying to resolve this with Experian for over 2 years, and they always come back saying XXXX has verified the account has still open. Experian continues to violate the FCRA and keep this account open. XXXX XXXX has not verified this account correctly.
My loan was sold from XXXX XXXX XXXX to Carrington Mortgage. Carrington Mortgage raised my mortgage by XXXX dollars per month for escrow. The escrow balance is positive and they would have had a 1/6 cushion as allowed by law. The property taxes are XXXX dollars and the home owners insurance XXXX. So the escrow total is about XXXX. Carrington is now charging me XXXX per month for escort, which comes out to XXXX per year. This is nearly one hundred percent of what is allowed by law. I tried to work with Carrington to resolve the issue but they did not work with me. Name of mortgagor is XXXX XXXX and the loan number is XXXX
This complaint involves my previous issue with Scottrade Bank and the transactions from XXXX. What is it going to take for you people to wake up??? XXXX stole my money, plain and simple. This " company '' is not even allowed to do business in the U.S. or with any U.S. citizens. That, in itself, is enough to make these transactions null and void. Contact the SEC and the CFTC and they will tell you the same! I 'm sure you have their numbers.
More negative information from Transunion. I have filed over XXXX complaints on this negative information and have been told it is not there. Now it is here again.
On XXXX at XXXX ; XXXX XXXX PST case number XXXX XXXX XXXX XXXX, XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX Mortgage Pass Through Certificates. U > S > Bankruptcy Court District of Oregon sited ( No Proof of Claim Filed. 

On XXXX XXXX XXXX the property listed at XXXX XXXX. XXXX XXXX, XXXX, Or XXXX was sold by XXXX County Sheriff 's.
I have a debt with Suntrust bank. I have been trying to set up payment arrangements and they have not been able to understand that I am on a fixed income since my husband XXXX last year, so I am unable to make the payments that they have wanted. I have tried to work with the hardship program and they still want more than I am able to give them. This is affecting my credit and its not fair when I am willing to pay just do n't have much money to give them.
CRA is in direct violation of fdcpa, fcra, state and federal consumer credit reporting laws.
Capital one This said it wouldnt effect my credit and now it has I have worked to hard to get my credit score up plz remove urself ASAP!!! Why would it say it wouldnt effect and then my score drops this is total bull and basically setting Ppl up for failure when Ive worked so hard on building my credit Bk up so that I can but the home Im in for my boys and help them start there credit plz remove that I even asked for this credit card cause I never would have applied if I knew it was going to lower my score!
My Consolidated student loans of {$40000.00} were transferred to XXXX XXXX/Navient in XXXX. The interest charges added ballooned my loan up to {$65000.00}. I could never get resolution from Navient about why {$25000.00} in charges were added to my account. I 've requested several repayment option over the last 3 years and I 've never received a satisfactory loan agreement. I need assistance
Discover Bank had frozen all my accounts on XX/XX/2016. I understand that the bank could have legitimate reason to freeze accounts, but it has also a duty to notify an account holder. It has not been done timely in my case. I was unable to use my accounts until XX/XX/2016, because the department who placed a hold on my accounts was closed over the weekend. What was most appalling about the way the situation was handled that while on XX/XX/2016, the bank representative was apologetic for not notifying me, on XX/XX/2016, the bank representatives, one after another, changed their tune and started telling me that they had called me to let me know that my accounts are being frozen. I spoke with XXXX, then with XXXX ( ID # XXXX ), and finally with Discover Bank supervisor XXXX ( ID # XXXX ). I asked XXXX to document my complaint. XXXX claimed that she has filed a complaint on my behalf and gave me conformation # XXXX. Further, XXXX stated that she will be investigating my complaint and will credit {$50.00} to my account ending in XXXX if she finds that Discover Bank has failed to notify me by calling my phone number ending in XXXX. My phone registers all incoming calls, there is no record of calls made by Discover Bank. XXXX made a promise on behalf on the Discover bank and such bilateral promise is legally binding and enforceable in a court of law. I want Discover bank to live up to its promise and credit {$50.00} to my account ending in XXXX for inconvenience and havoc the bank caused by failing to timely notify me about its adverse action.
I made a balance transfer of {$3000.00} from Citi card to XXXX on XXXX XXXX 2016. 
Today is XXXX XXXX 2016 and the {$3000.00} still show in both accounts.
Reference ID : XXXX Please allow me to add a bank. I tried adding a bank and got an error message. I called paypal and they not able to add the bank for me. I have {$420.00} USD available
On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. 
XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.
Our credit card with US Bank was subject to an account takeover. Someone posed as my husband added their name to our credit card. Apparently this person had the last XXXX of his SS # and used that to change our email address and telephone #. The customer service rep made the changes and US Bank never emailed us to verify these changes or at the very lest let us know this had occurred On Fri pm we received a UPS delivery and to our surprise it was our credit card # but it had someone else 's name on the card. The card had a {$15.00} fraudulent charge so that the card could be expressed mail. Immediately we called US Bank and they told us our account had been taken over. The bank removed this {$15.00} and locked the account. At the same time the bank transferred the charges to a new account. The bank would not give us any information about the person who committed this identify theft. The next day we reported the incident to our county police department and we sent the police report to US Bank. Approximately two week later I called to check on the status of the investigation. US bank denied receiving the police report even though I mailed it certified return receipt requested. That was not true because I had my copy from the US Post Office, After numerous telephone calls with fraud dept and eventually the Office of the CEO I was told that if I wanted any information I must get a subpoena. I paid the account in full and the next day I sent US Bank a letter requesting that they permanently close both accounts and never solicit our business or allow anyone to pose as us to gain credit.
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, XXXX, TansUnion, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
I paid the late fee and regular payment for XXXX XXXX on XXXX XXXX, XXXX. I paid the entire amount outstanding for the month. The company reported me as being late because of their mistake of miscalculating the amount owed by {$0.00}. Yes, I wrote XXXX cents. This was not even my error, and over XXXX cents, they reported my payment more than 30 days late when it was n't.