WillisBack/dataset-financial-user-claim huggingface dataset:
I am issuing a complaint about fraud on my ATM card. I traveled to XXXX X/X/2017 to X/XX/2017. During my stay in XXXX my ATM debit card became missing. I did not realize this until X/XX/17 or X/XX/17. I reported the incident to Bank of America as soon as i discovered the card missing and checked my account and saw erroneous charges. The charges that I am disputing as fraud begin on X/XX/2017 and continue through X/XX/2017. I have charges totaling {$1200.00} plus fees of {$68.00}. I have tried to explain to Bank of America the situation, due to my heavy " XXXX '' accent I seem to not be understood. I am disputing these charges as I did not make them. I have asked Bank of America over and over again to review and have been denied. I feel insulted as the claim has been denied. I will testify as I did not make the charges and have written a letter to Bank Of America stating such as they asked. I do not understand why Bank of America does not believe my statement to be true. I am a person of good morals and believe that this claim has been handle unjust.
In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they  don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!
To whom it may concern : I am bringing a complaint against XXXX XXXX. XXXX XXXX XXXX and Cooling and Winter Law firm acting as a debt collector. 

My debt was with XXXX XXXX. The debt was originally my mother 's debt but I took over the debt after her death on XX/XX/XXXX. XXXX XXXX XXXX filed a garnish judgement against me but I am Social Security. On XX/XX/XXXX, XXXX XXXX XXXX placed a XXXX XXXX XXXX XXXX upon the home I stay in which I did not have ownership of the said property until I filed a Quickclaim Deed on XX/XX/XXXX. Now I am in a bankruptcy and they want me to pay to remove the lien off the property. The tactics they used are deceptive and unethical. Now neither debt collector law firm won't even answer my calls, return my calls. nothing. 
Not knowing the lien was on the property was sufficient reasons for my denial of mortgage assistance and the lost of my home. 
I also notice that the debt collector law firm was under investigation in XX/XX/XXXX same time they were putting liens on property that people don't own.
IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.
Last year, I asked that the ( at the time ) XXXX XXXX XXXX ( now the XXXX ) take me off of automatic enrollment so that I would not be charged the automatic $ XXXX yearly fee. Yesterday, I looked at my monthly statement, and not only had Barclay 's ( presumably the organization responsible for overseeing the card payments ) deducted {$89.00} from my account again - they had done so twice. A total of {$170.00} was taken out of my account without my permission - despite having spoken to a representative last year and requesting that I be taken out of auto enrollment. Although I called them and my money is apparently being refunded ( I have not received a refund yet ), it is terrifying to think that a company such as XXXX, or Barclay Card, can simply deduct money from my personal bank account without permission - or even a request - despite me taking the time to attempt to eliminate this type of event from occurring.
I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday,  XXXX   XXXX ,  2017 , at  XXXX  EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.
XXXX and XXXX XXXX re-aging another account that was reported and removed from my account long ago. It is now showing up as a new collections account as of XXXX XXXX, 2015 from XXXX XXXX XXXX for {$600.00}. 
I had a Bank of America account and I closed the account because they were repeatedly making it look as if I was debited the account with no funds. I wrote many times not to allow my account to be charged with no funds in the account. I would have money showing in the account and when I used it I would get over-limit fees and other fees until they charged up to over {$600.00}. I had close all my accounts with them and refused to pay because I know I did not use the card. I even closed a money market account and a few months later the bank reopened it and started to charge me fees on it. I had to let them know I had taken my money out of their bank and they had no right to reopen the account. 
This bank took money from me for charges I did not make.
I have a Home Depot credit card through XXXX, and I have opted for online statements. I have a balance on it, and I have an overdue payment. The payment of {$55.00} was due XXXX XXXX, so I am two weeks late. On XXXX XXXX I went online to schedule a payment. The online statement showed {$130.00} due on XXXX XXXX. The amount of {$130.00} includes the XXXX payment, a late fee and the XXXX payment. I scheduled a payment of {$130.00} for XXXX XXXX. On XXXX XXXX Home Depot blocked my online access and shut off my credit card. I had no notice of this action until I attempted to use the card to purchase supplies. The store was unable to access my account, and I am no longer able to access my account online. The cashier called the credit line and I spoke at length to the Credit Dept representative. I have additional credit available on my XXXX credit card, and I have a payment scheduled in 3 days for the past due and the current amount. But I ca n't access my card online, and I ca n't use the credit that 's supposed to be available to me. I told them this is an unreasonable policy because 1. the statement merely says that the past due and current payment are due on XXXX XXXX, and 2. they already charged me a late fee on that statement. The statement gives no information about shutting off access to credit. I 'm trying to run a business and need these supplies immediately for a major event in two days. Is this policy legal?
XXXX XXXX XXXX, 2015 I submitted a dispute to Equifax regarding an account that was unlawfully transferred and reporting inaccurate and false information. I requested the descriptions and procedures of the reinvestigation as well, as my attorney has notified me were my rights to have. Equifax continually claimed they verified the account and sent me a notice saying that it was updated with new information. This account was reared and dates were added to include it to be active in 2015. This information is absolutely inaccurate. I requested the descriptions and procedures and they sent me a separate letters, after i wrote a letter requesting their methods of verification, that it was not their responsibility to provide that information to me. I asked who spoke to whom and when and how was this verified and even updated and they refused to answer my question. This investigation was done past XXXX days and finally after months of fighting i wrote them threatening to file an FTC complaint and they did not respond to me again and continually ignored my letters sent certified mail. In XX/XX/XXXX i filed my first CFPB complaint and they claimed, that on XXXX XXXX, 2015 they 'CALLED ' to verify and spoke " personally '' to someone at that department. This " verification '' which they are attempting to falsely XXXX me up with was only done nearly XXXX months to the day that I requested an investigation along WITH the descriptions and procedures, which were never provided to me. This account continues to be inaccurate and it was unlawfully placed on my file. I have never had an account settled or owed to the US Department of Education. Before any transfers were done this account was settled with Pell Overpayments. They verified a transfer with someone else ( a male ) i am a woman. Therefore this account was never authorized to be paid or transferred by me. The Us Dept of Eductaion knows that they falsely transferred this an do not wish to be honest about it andI have filed a formal complaint against them and they have informed me that they are checking phone records and signatures to investigate who authorized this account to be transferred when no amount was due to them and no one ever spoke to me. I have never been delinquent on anything in my life. There has been a tremendous injustice done unto me and they refuse to see that this account is under investigation and was fraudulently placed on my file. Equifax is lying about doing an investigation, they have no proof, they send me NOTHING and they had not responded in over XXXX days initially and now they claimed to have called on XXXX XXXX? No, that is unprofessional, unacceptable and too late. This account must be removed immediately!
On XXXX XXXX I received a letter for Midland Credit Management inc . They were identifying themselves as the new owner of an account that is no longer in debt at the original creditor. They are charging me {$640.00} from credit XXXX bank account. Account number at MCM is XXXX. As soon as I received the letter I call them at XXXX. I 'm pretty sure that they can confirm this via their call recordings. The first representative was not avail to provide me any information as of why I owe this account to them. When I repeatedly ask him why he could n't provide me any information he said to call again later. After he got tired of me asking why he could't provide me any information and me asking to speak to a US representative that speaks english since I thought that was n't understanding what I was telling him he hang up on me. 

I called a second time and explain that a previous representative had hang up on me the new representative started to laugh at me. When I ask him what was so funny he laugh again and said that it was n't about me. I ask for manager and he send me again to the main number to get another representative. 

For their poor collection tactics I have open this complaint with the XXXX and also with The Consumer Financial Protection Bureau. 

With all of this being said, I require that Midland Credit Management Inc provides me with detailed information that validates this debt as correct. That includes sending me detailed statements about the amount owe, verification from the original creditor that shows that I still owe this debt, Signed contracts or agreements between me and the original creditor. If they can not provide me with all of this information, I require that they stop all collections attempt to myself and to do not report this debt to any of the XXXX credit bureaus ( XXXX, XXXX, XXXX ).
I have asked in the past to not be contacted by this company via telephone. They call at least XXXX times per day. I sometimes receive calls from other numbers that are either someone 's personal number or from a different location. They have also called my mother numerous times, even though I do not have any other contact information listed. They call my mother multiple times a day, asking her personal questions about me such a my date of birth, address, etc. They even told my mother that they called me XXXX times. They even disclosed the amount that I owed to her.
I have a debt on my credit reports through XXXX XXXX   from XXXX  and XXXX from Waypoint Resource Group or XXXX. The debt is from XXXX. I was born in XX/XX/XXXX ; I'm in XXXX  and I have always lived with my parents. I have never applied for TV or internet services. The only credit I have is a credit card through XXXX XXXX which is in very good standing, never late or over limit. The debt has a date of XX/XX/XXXX on my credit reports. I filed a dispute with the credit bureaus and directly with WayPoint and it's still on my report. I'm about to enter graduate school and I need to have clean credit to get the loans required to graduate. I was advised by my counselor to request debt validation with proof of a signed application, dates as to when the account was opened, how it was opened, etc. I never received any proper validation. All I received was a copy of a bill with the dollar amount of {$610.00} as the balance. No proof as requested was provided. Under the FCRA, I have the right to request debt validation and it must prove the debt is mine and was obtained correctly. Please remove this from my credit reports as I'm just a young student trying to make the best of my life and this is causing many problems. 

WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
On XX/XX/XXXX I applied for a XXXX  credit card with XXXX XXXX XXXX XXXX.

Application number XXXX XXXX and was denied. The following letter, XX/XX/XXXX, states " For unsatisfactory or unverifiable information '' I called the number given me in the letter to XXXX  and the rep.could not give me a specific reason, not one! and suggested I contact Equifax and get a credit report. TodayXX/XX/XXXX, I tried, on line to obtain a report and even with my old report in hand, apparently did not answer the questions correctly (? ) Then I called the number given me on the Equifax website, went through the question process and then I was told I was unable to get a report! and then was disconnected! I have dealing for over a YEAR with some unknown issue with my credit, even after, with a great deal of effort and your help, removed a " Extended Fraud Alert '' even after all this I am denied credit! XXXX XXXX has my credit rating at XXXX!! Why is this hapening to me?? For God 's sake I think at an XXXX credit score I should have companies falling all over themselves to give me credit instead of treating me like a leaper!
XXXX Claiming I owe US Bank XXXX. Have never ever dealt with us bank. Rude, threatening, obnoxious
XXXX  is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX    XXXX  , and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to  XXXX  back in  XXXX    XXXX  . After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,   XXXX  .  Five  months later, after requesting  one to  be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,   XXXX   and according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from  XXXX  actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Hello, I don't have a complaint, but more of a concern. I would like you to investigate the credit lending practices of a company by the name of One Main financial services. The reason I have concern is because they are mainly in minority neighborhoods and are consider credit rebuilding and low credit score loan company.

I applied for a personal loan after bankruptcy, ok they pride their business on putting your car up as collateral which can be fair if you have one to use. However, in my case my car is not paid off so they next alternative was a co signer.

I secured a co signer, the co signer had to co sign and use their car as collateral along with a 31 % interest rate whereas we both have decent scores.

I was told it was due to low scores which after checking the scores was contradictory to what we were told I would guess to add a higher interest rate.

If this is what they are doing to people of color in order to grant them credit, don't seem to be common practice and actually a legal financial scam to make a lot of money.

I'm requesting their lending practices be investigated in their personal loan lending 's.

Thank you I hope to refinance my loan soon, and leave this company due to unfair practices of using a co signer and her car for collateral was extreme, if it had been one or another it would have been more reasonable but both and my signature was over the top.
Filed for bankruptcy on XX/XX/XXXX. Experian flagged my credit report with the bankruptcy information. All the companies I filed on also reported "debt included in discharge through Bankruptcy ChapterXXXX" with closed. Including XXXX, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. Experian has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.
I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!
XXXX   XXXX   XXXX    (  XXXX   ) ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   CA  XXXX , has just informed me, by letter dated    XX/XX/XXXX   , that my APR is to be raised, based on alleged " Serious Delinquency '' and " Amount past due on accounts. ''  XXXX  relied on an egregiously wrong  credit score  of  XXXX  by Experian. I have an unblemished record of payments to  XXXX   XXXX ,  XXXX   XXXX , since   XX/XX/XXXX   -- a half century ago ! Ibid.  wit h Visa and Mastercard.  I have never been refused a loan of any kind, including  1. a     XXXX   mor tgage loan on the purchase of our home. Payment of the mortgage is automatically made to  XXXX  from my  XXXX  checking account, an d 2.  a   XXXX   XXXX   XXXX   mortgage loan on a rental property which payment is also paid monthly automatically with funds drawn from my  XXXX  checking account.
I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX. 
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX  ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER
For the past 6 years we have had an active mortgage loan with Guild mortgage. We had set up agreements with them regarding making monthly payments and another 1/2 a payment. They continue to state that they did not set this agreement now that it has come to our attention due to putting the house up for sale that they were not indeed applying this money but taking the payment and keeping the other 1/2 a payment in an undisclosed account. This year with graduation as a XXXX we elected to just go back to making monthly payments well we did not relize that over time each payment was slightly short a few dolars or cents. Instead of notifying us of this even though we were calling and physically talking to an employee working at Guild that was giving us the amount to pay they would just put the money in an " undisclosed account '' and repeatedly reported us to the credit bureau. When it came time for the final payoff as we are in the process of selling I received a payoff statement with all this reported late charges etc. No phone call nothing and we then received our credit report. I become XXXX when I saw what had been repeatedly reported as being late of payments. I called to discuss this matter and have continued to get the run around. I have received letters stating they would perform a correction with the noted credit reporting which has not happened. We are now being denied for a home loan because of what they have done to our credit. In 6 years I have paid every dollar and have worked for every XXXX. I feel as though they are destroying my life literally and when I tried to explain the current situation the loan individual literally laughed. I feel trapped and they stated they are in control which is more than clear at this point. I want the reported mistakes acutally taken off so I can more on with my life.