WillisBack/dataset-financial-user-claim huggingface dataset:
I use XXXX XXXXs debit card to receive my Social Security XXXX benefits. 
Today I found my money is being taking by somebody else in severals ATM transactions since the money was deposited on XX/XX/2018. 
I have tried to contact the XXXX  XXXX costumer service all day and is being impossible. 
I also tried to use the " option '' of reporting theft, lost or stolen card from the menu by pressing a key but the system ignores that and keep sending me back to principal menu. 
I went Online and read the " reviews '' and complaints written by many other costumers who described exactly what just happened to me. 
I do believe there has to be something very wrong about this company. It just feels like if they were " working with the scammers ''
I needed to refinance my home loan, so I went to my lender but even though I am lower income the bank is not serving my loan request. The neighborhood is located in a mostly poor and underserved area with mostly lowered income buildings. According to  the Community Reinvestment Act, a federal law w as designed to stop discrimination in low income neighborhoods.
I have repeatedly told this company this does not belong to me..Midland is the company and XXXX XXXX is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help.
I have XXXX accounts with XXXX with account numbers XXXX and XXXX. These accounts are closed and have a {$0.00} balance. They were both included in a chapter XXXX bankruptcy that was filed on XX/XX/2011, with reference number XXXX. Both accounts have a negative mark as '' failure to pay '' in XX/XX/2011. Under The Fair Credit Reporting Act, these accounts should not have any negative marks from the date of the filing date of the chapter XXXX bankruptcy.
Diversified Consultants are violating FCRA and FDCP statutes because they could not provide any documentation legally linking me to the account, and yet continue to try and extort monies from me.
They charge me for annual membership I called and cancelled the card they said everything was okay the account was cancelled and the fee too so I had to destroyed the card and now they send me a new statement XXXX the charge y now they said they have a new policy and I have to pay Whitout using the account
On XX/XX/2018 at XXXX we received an automated message ( XXXX ) from XXXX XXXX XXXX for XXXX XXXX asking him to call XXXX and reference Acct # XXXX with zip code XXXX. 

We tried to reach out to the company to have them stop calling us but the calls could not go through
I was on a low interest rate payment plan and making payments just fine. I did not realize that the program ended and I had to call in to enroll again. This was the start of delinquent payments. The last payment they have on file was made in   XXXX   XXXX    . I did n't realize until the calls started, that I was late. I am very willing to make a payment but needed more flexibility. I was offered a  XXXX  interest rate in  XXXX  and that was great but I had to make a large payment on that date and could not do it. I asked if I could make the payment in  XXXX  and they said I 'd just have to call back in  XXXX , so I waited. Now, they can only offer  XXXX  rate which makes my payments too high. I requested the  XXXX  rate by talking to a supervisor. He would not approve me and told me that I ca n't speak to another supervisor and he would not transfer me. He then hung up on me. I would like to make my account current but need more options. Every time I speak with Navient they are extremely rude. I can not believe they are allowed to speak to customers in the way that they do.
I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.
Credit dispute was filed with Experian XX/XX/XXXX involving reporting by XXXX XXXX. Debt was paid in full XX/XX/XXXX receipts and proof of payment, plus court documents were furnished to Experian on date of dispute filing. On dispute outcome creditor still reported debt unpaid as of XX/XX/XXXX even though supporting documentation was provided to both credit agency ( Experian ) and creditor ( XXXX XXXX ). Inaccurate information allowed to remain even with supporting documentation.
I have asked XXXX to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report
I applied for a business credit card with Chase for a brand with XXXX. They offer XXXX miles after spending {$2000.00} in the first 3 months. I disclosed to XXXX people ( underwriting/analysts ) during the application process that this was a card for a separate business XXXX which is a different legal entity of my other business, and that the reason I was applying for a separate card is because I wanted to separate the expenses of each business for tax purposes. They were ok and after completing the application I was approved. After I received the card, I started using it and met the {$2000.00} expenditure required to received the promotion of XXXX miles. AFTER THAT, they communicated to me that they were not going to award this offer because I had another business that received this promotion in less than 24 months!! They never told me about this rule during the application process nor when I received my card nor later, and they ONLY communicated this to me after I met the expenditure target ( and after they charged me also for the annual fee ), which is very malicious on their part. If I knew at front about this issue, I would never had applied for this card in the first place. 
When I contacted the customer representative, she was very rude and un respectful and did n't care at all how she treated a customer ( and a good customer as I have several accounts, all in good standing with them!!! which is even more upsetting! ). 
This is a very deceiving business practice, as they are misleading and lying to people, and they do n't want to take responsibility, ownership and honor their commitments. It is sad to see that after the financial crisis of XXXX, they continue to practice unlawful acts, without taking any responsibility.
I have had a private student loan since 2011 and have been a student. I have contacted Navient trying to lower the interest rate, but instead they have steadily increased it to 9.5 %. Even while I have made their minimum payments, my interest will keep increasing. When I pay extra, they add it towards interest so my principal will never go down. I have paid {$4100.00} on a {$6500.00} loan and still have {$5700.00} left to repay. How is this fair lending practice?
i was told when i initiated this mortgage that bi-weekly payments would be credited when made thru autopay. i now find out that is not true. although i made payments on the XX/XX/XXXX and XX/XX/XXXX, the payment made on the XX/XX/XXXX was not credited to my principle until the XX/XX/XXXX. had i known this i would never have done business with freedom mortgage. i will certainly never do business with them again and would recommend to anyone i can to avoid freedom mortgage. dealing with freedom after closing has been a very unpleasant experience.
On XX/XX/XXXX I leased a XX/XX/XXXX diesel Volkswagen from XXXX Volkswagen dealership in XXXX, New Jersey. I chose the car because it was advertised as " clean diesel '' which turned out to be lie. In XX/XX/XXXX, the court approved Volkswagen terms to compensate the owners as well as those who are leasing. I decided to end my lease as per the agreement approved by the court. The car was returned to XXXX Volkswagen dealership on XX/XX/XXXX. My last payment was made on XX/XX/XXXX, which was for the month of XX/XX/XXXX. I also received a check from Volkswagen as per the court agreement to compensate early termination lessee. To my surprise, I continued to receive payment statement from Volkswagen. I reached out to them on XX/XX/XXXX and spoke to XXXX who then transferred me to a representative by the name of XXXX. I informed both of them that my transaction was completed and gave provided the claim number that shows that I returned the car. On XX/XX/XXXX, I reached out to the company again because I received a notice that threatened to report the late payment to credit bureaus. I explained to them this must be a joke because I made all necessary payments and the car was returned to them. The representative and the manager whose name is XXXX said they were going to look into it. Once again, I continued to receive payment statements and Notice of Default and right to Cure New Jersey. This is bullying tactics by a company who is attempting to victimize and defraud me twice. They are attempting to ruin my credit because I chose an early lease termination.
On numerous occasions, I have contacted Equif ax &   XXXX  to notify them that I am no longer liable for  XXXX   XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore, Equifax  &    XXXX   continues to allow   XXXX    XXXX  to report information that is not 100 % accurate.   XXXX    XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from Equif ax &    XXXX   stating that they will not re-investigate this erroneous reporting.
XXXX XXXX The following account above does not belong to me, and this item is stopping me from getting a job.
I called my mortgage company, Freedom Mortgage, to find out what the pay off was on my home because we are selling it and purchasing a new home. They told me that is would cost me {$30.00} and it would be 72 hours before I would receive that information. They stated the fee would be added on to the final balance of the pay off on the loan. I feel that this fee is unacceptable and they are keeping my information hostage for a fee. There is not an early pay off penalty. This is my information and I do not feel they should be able to withhold it for a fee of any kind.
A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that.
Midland Funding has continued to report inconsistent rention dates on multiple accounts, to the XXXX credit agencies. On account XXXX, they report to XXXX a retention date of XX/XX/XXXX -- XXXX XX/XX/XXXX -- no reporting on XXXX. Account XXXX they report to XXXX a rention date of XX/XX/XXXX -- no reporting to XXXX -- and a reporting of XX/XX/XXXX to XXXX. On account XXXX they do report to XXXX or XXXX -- to XXXX they report a rention date of XX/XX/XXXX. On account XXXX they do not report to XXXX & XXXX -- but report a rention date of XX/XX/XXXX. On these accounts, they do not report an original creditor or contact information for the original creditor. They have failed to report correct information on any account that they hold of mine. I have submitted numerous disputes with each credit agency, & they continue to verify each account with each agency, even though all information that they report is inconsistent.
I bank with Regions Bank. I recently had overdraft fees of {$100.00} for XXXX items, XXXX of which is pending and the others have posted. Regions charged me overdraft fees for items covered by funds. There is also a credit to the account today while the transaction is pending that will cover the transaction. When calling them I asked how and why I was charged for {$100.00} for XXXX transactions rather than {$36.00} for the XXXX transaction that is a pending overdraft, they stated that it was because they did n't know how much it would be for, so they charged all items clearing and transacting that day. They stated that many people call in with the same issue all of the time. I explained that on the account ledger it looks like i was charged a fee even though the previous transactions cleared with a positive posted balance. Regions is ripping people off by charging exorbitant overdraft fees for previous transactions even when money is in the account to clear the transactions. The policy is ruthlessly arbitrary to customer 's bank account and funds.
This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Summer XX/XX/2017 the company that installed AC in my house organized a 12 month interest free loan with GreenSky. 

I sent a check to pay off the full amount on XX/XX/XXXX. When after two or more weeks ( XX/XX/XXXX ) that didn't appear in my bank account, GreenSky said they'd no record of the check. I payed the full amount using my debit card over the phone -- {$4.00}, XXXX. 

The customer service person confirmed at the time that should the check then arrive it would not be cashed because the loan was now closed. 

However, on XX/XX/XXXX, the check for {$4.00}, XXXX was indeed cashed, putting my checking account well over {$2000.00} in debt -- I was away from home at a conference at the time. 

I called GreenSky late Friday XX/XX/XXXX when I became aware of this problem -- my debit card was refused -- and the customer service person acknowledged the mistake, said a reimbursement check would be sent to my home in 10-15 working days. When I asked if it could be expedited and managed electronically, the person said not, but that a manager would contact me in 36-48 hours. 

No phone call was received. I made do with my credit card. 

I waited through XXXX, then called again when I finally go back home to XXXX, NY. The manager at GreenSky, XXXX, said she had emailed -- she had, but the email did not arrive in my inbox but to the junk/spam section. 

She then said that it was not policy to expedite reimbursements unless there'd been a mistake. She then said she'd check the original phone call made on XX/XX/XXXX to confirm the issue. I pointed out that I'd payed off the loan on XX/XX/XXXX and that by cashing the check on XX/XX/XXXX they'd now got over {$4000.00} extra from me -- my loan is now {$4200.00} in credit -- and that that was pretty clear evidence of some mistake ; that given it was credit, that it was not their money to withhold from me ; and and that I was in dire financial straits as a result. 

XXXX, the manager, said she'd get back to me within 48 hours. I've heard nothing since Monday. 

I sent an email to explain that I would be contacting you. 

XXXX 's details : XXXX Customer Solutions Advocate Office : XXXX Ext XXXX ref : XXXX : ref
I had a loan for {$10000.00} from Wells Fargo and paid on time with automatic debit. The last payment was scheduled to be debited on-time ( XXXX ) but it never happened. I manually scheduled a payment on XXXX. Wells Fargo has been calling me for payment. On Saturday XXXX, I stopped by the XXXX XXXX, TX branch and Wells Fargo told me that my payment is being processed and it will post on Monday. I requested that Wells Fargo communicate with me by US mail and to stop calling me. Today is Monday and the money has been taken out for days and I am still receiving calls from Collections.
I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE CHASE BANK SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED CHASE BANK SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH CHASE BANK NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE CHASE BANK CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET XXXX XXXX XXXX XXXX DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
I have disputed several times with Equifax and no actual investigation has taken place due to the followingXXXX XXXX # XXXX - Outdated, past the statute of limitations, inaccurate and disputing with creditorXXXX Mtg # XXXX - Outdated and inaccurate past the statute of limitationsFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an errorFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an error
I wanted to add my original contract to my complaint. Showing my payments were XXXX no taxes and no ins. 
We took out an earthquake loan with XXXX. After several years turned it over to ALS. Who after several more years turned it over to Nationstar. The loan did not include Insurance and taxes. My XXXX Mtg holder paid that. XXXX was a XXXX loan. Everything was fine until Nationstar took it over and opened up an escrow. I kept telling them someone else paid taxes and ins. but it did n't matter. About the same month they took over I completed a form so they would not pay insurance and taxes. I faxed it back the same day I got the form in XX/XX/XXXX the same month they started receiving my payments. Then I faxed it again. Then some time later I faxed it a third time. Each time I faxed it I had to send them the orginal with my signature on it. They said they would not just go with a fax. I told them again and again that XXXX was my payment that cover principal and interest. They insisted opening an escrow account, takeing part of my payment, part of the XXXX and placeing into an escrow acct. This would leave my payment short and they then said I did n't make the payment. This went on for 3 years. They kept telling me I was late and payments were due. All along I paid the whole XXXX and no payments were late. They added late payments onto my account. They told me I had to pay XXXX which I did above and beyond my payments. Then I paid more money above and beyond my payments, which I did. Then the company wrote me a check, then again, and again. I guess they found out I was not supose to have the taxes and insurance taken out and started refunding the money in my escrow acct. Instead of putting the back with my payments. All along telling me I was not makeing my payments. I sent them back XXXX checks in the same amount of the checks they sent to me. I called and explained. what the checks were for. They still have me late on my payments of over {$1500.00}. No one of any importance will talk to me ( anyone that could correct the problem ) Everytime I telephone I get a different person, they are on a rotory line. This problem will never be corrected. I 'm trying to get it corrected so I can refiance with the people I bank with. They said as soon as I get my credit score up they will refinance. They say they know all my payments were made and on time because I made the payments thru them. But they said they cant turn in a payment application until my credit score is raised. My credit score will not go up until Nationstar corrects the problem they caused. I can reduce my interest rate but not until Nationstar corrects the problem. I will attemp to attach the documents, Im not real good on the computer. My payment is XXXX but my recent payment coupon said {$3000.00} is due.