WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I obtained a TD Bank Credit Card. I always kept the card paid in full monthly. In XXXX I decided to cancel the card. I called TD bank and informed them I was canceling the card. TD Bank gave me the balance and I paid it in full then cancelled the card. For three years I received no statements or any other communication from TD Bank. In XXXX XXXX I received a letter from TD Bank informing me I owed {$290.00}. Having no business with TD Bank I suspected I was a victim of some sought of identity theft. I called the number on the letter. I was placed on hold for long periods of time, transferred several times then disconnected after about an hour. I attempted several more times to address the issue with TD Bank through the number on the letter always with the say result of hours wasted only to be disconnected. I sent TD Bank an E-mail and was informed by them that they could not address the issue by email and I should call the number on the letter. I informed TD Bank that I had made three attempts calling their number and had lost faith in using it. Several weeks later I received a phone call from someone claiming to be a TD Bank representative who was asking for all my personal information over the telephone, Social Security Number, Address, Birthday, Mothers maiden name, etc. Not knowing who I was speaking with I was reluctant to give my information out. Finally after giving up my birthday I was able to get some information. As it turned out when I cancelled the card TD Bank did not give the proper payoff amount and, unknown to me TD Bank left XXXX dollars on the account and left the account open. The woman I was speaking with informed me that the {$290.00} was interest the Bank was charging on the XXXX dollars they had left on the account. To me this is nothing less thee Credit Card Fraud conducted by the TD Bank. I question how many others were subject to this tactic and just paid it? TD Banks dishonesty has caused me damage as I depend on my good credit to maintain my Florida 's contractors license. I continue to receive letters, outrageous interest changes and damage to my good credit while TD Bank continues this extortion tactic. I hope you can help me and possibly the other consumers who have been scammed by TD Bank.
My XXXX XXXX XXXX account is over XXXX years old and past the statute of limitations for reporting. When I spoke with a rep over the phone, the rep claimed that because XXXX XXXX reported the account to them again in 2013, that it will remain on my report for XXXX more years after it was last reported. I tried to explain that is goes by the date of first delinquency, but the rep said I was wrong and refused to delete it. I am being denied a mortgage specifically because of this one account
Hello Please understand that Select Portfolio Servicing refuse to modify my loan in order to keep my home because i had a PO Box as my mailing address. 
As of XXXX/XXXX/XXXX Select Portfolio Servicing placed me on a HAFA Short Sale since they denied my loan modification application, Select Portfolio Servicing placed a value inspection thru a Brokers Price Opinion which it came back at {$380000.00} After several months under review As of XXXX XXXX Select Portfolio Servicing order a new Brokers Price Opinion hiring a new company to perform the evaluation, A few weeks later, the new report came back at {$550000.00} as the new value. 
As of XXXX XXXX i disputed the value since it did n't make any sense that the value increased almost {$200000.00} in just a few months. 

Select Portfolio Servicing refuse to take the report that i prepared for them to dispute the value, i spoke to a manager from the ombudsman dept. who told me that in order to dispute the value i will have to pay for an appraisal out my pocket. 
So i did, i paid for a Licensed appraisal to go out to my home and confirm the value, a few days later i received the full report showing that the value was {$400000.00}. 

Now Select Portfolio Servicing is refusing to use the Appraisal that Select Portfolio Servicing forced me to pay for in order to dispute the value, i requested for a manager since this is ridiculous that they keep providing me with misleading information and now they just refuse to help me avoid foreclosure. 

Please help since all im trying to do is now sell my home in order for me to avoid foreclosure. 

XXXX XXXX
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.
I tried to file a dispute with Equifax for an account that I paid off in full and would like to have it removed from my credit report. I have made the same report to the other XXXX credit bureaus to have the same account removed from my credit report and they have removed it with no problem. I tried to get a confirmation number to file a dispute but they they told they could n't give me one because there is nothing in the system. But I told them that is why I calling to file a dispute so I can get a number, and they also told me that the account I am trying to dispute will remain on my credit report for seven years despite that it is paid-off and closed. They did not even bother to do an investigation to see if my claims were true. I feel that this is one of the many reason why people can not rebuild their credit, these agencies need to be governed to make sure that people are being treated fairly.
Equifax Inc. reported that their systems were hit with a cyberattack and that the attack may have affected nearly 143 million people. Due to this, my information may have been compromised. I am afraid that my information can be used to either open up fake accounts under my name or identity theft. In light of this information, I have set a fraud alert on my accounts.
Sent several letters out to XXXX, XXXX and Transunion about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, XXXX   and Transunion asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
RE : USAA Savings Bank I entered an automatic payment of {$230.00}, and stipulated the posting date as XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, the amount was withdrawn from my bank. 

However, funds were not available on my prepaid XXXX. 

On XXXX XX/XX/XXXX, I spoke with a USAA CSR, ( 40 minutes, 54 seconds ). 

I was told that my " payment history '', " credit history '', " source of funds '', and " # of payments '' were factors related to the delay, and that a 10-day hold had been placed on my account. Notification of the " defender hold '' was not received via the app, email, phone, text, or USPS. Of note : ALL of my prior payments were made prior to the due date, I hadn't made any attempt to exceed the prepaid limit of my card, ( {$250.00} ), the account used for the payment had remained consistent, and prior payments were posted upon receipt. 

I was dissatisfied with this explanation, and XXXX, ( XXXX ), refused to provide his employee id #. He further suggested that the " payment was large, compared to my credit limit ''. 

A subsequent CSR educated me about the Credit Card Act of 2009 and " money laundering ''. 

The hold caused significant financial financial distress, in that I was attempting to pay the entire balance due, had no access to the funds in my checking account OR XXXX for 10 days. I had no access to other funds.
My husband and his previous deceased wife have a collection on his credit report from XX/XX/XXXX. I called the collection company 'Outsource ' to get information on his report. They now have that collection debt on my credit report! I called the company about my credit report and that the debt is not mine - this occurred in XX/XX/XXXX and I married my husband in XX/XX/XXXX. They did agree and stated that they would remove it from my credit report. This was on XXXX/XXXX/XXXX. They informed me to " check my credit the next week and it would be removed. '' I again checked my credit report on XXXX/XXXX/XXXX and it was not removed. Again I called the collection company 'Outsource ' and again the manager agreed that it should be removed and they would have it removed as soon as possible. I did question their process because they stated they had given information for it to be removed from my credit report previously, but it had not been removed. Checking my credit report today - I am showing that the collection is still on my report and has not been removed and I am showing that XXXX/XXXX/XXXX was the date it was reported. ( I am assuming this was the updated date of any information from the company ). If they are reporting ANY information in a timely manner, would it not be removed by now? This has greatly impacted my score - it has dropped XXXX-XXXX+ points! Will this be corrected? 
Thank you, XXXX XXXX
Nationstar is the worst mortgage servicer in the world. They should be shutdown. Every time I interact with them, they mess up what they are supposed to do with my money. I just recently went on their website and processed a purchase and coded it as an extra escrow payment, and they coded it as a principal payment. I now have to call them and go through their terrible customer service to have them apply it to escrow. They will then lower my payment instead of just adding it to escrow, and I will have to have them run another escrow analysis. They will then send me a check that I do n't want. I will then attempt to send them back the money since I want it in escrow and they will mess that up again. The circle continues this way with no end in sight. I have contacted you before on their incompetence and nothing is fixed with this company. When do you plan on fining Nationstar? When will they be shutdown? Can you force them to switch me to a mortgage servicer that knows how to service a mortgage?
This is an addition to my original complaint from back in XXXX XXXX with this company. Rushmore loan management Services. I did get a response that you sent me stating that a man named XXXX XXXX who was really another relationship manager. Well i did call him thinking that he was a CEO, or an administrator or some kind of an executive of which i ask for, that can be verified. But instead i only had this XXXX XXXX who said to me that the only person that could help me was the person that caused the problem in the first place. I could not believe what he was saying. But it came to me that he was protecting this person named XXXX XXXX. So i did tell this XXXX XXXX that i did not want to deal with him or any other relationship manager. Well after that i had so many relationship managers call as if to harrassed me. I ask to speak to an executive that i can verify that is who they are. This group of people have been playing games, until it makes me wander if there is a CEO, or is this just a group of people or working from with no supervisor. This has been going on so long to cover up what really did happen, and this XXXX XXXX is really trying to protect her. He has not been a very nice person. I have all the names of the other relationship managers who has been steady calling me. My complaint was to be able to speak to someone in charge, but what are they trying to hide or cover up. This is very strange for any company. Usually by now someone in charge would have called to find out the problem. The company is Rushmore loan management services. My loan number is XXXX. If you look back in XXXX XXXX you will see the complaint i did before. Nothing has change, it has gotten worst. I have a feeling that this complaint will go to XXXX XXXX the relationship manager. They go by your loan number and whoever that person is, is responding back to you. I do not feel that it ever got to an executive. I would like to know how you can find out to make sure this gets to the right person. And i would like a name and a contact phone number, so i can make sure of this persons credentials. Maybe there is only investors that put this company together. Please look into this. How is this protecting me if we can not get to the bottom of this, especially since i have told all of the relationship managers that i am not going to deal with them. The first two people i had seemed to be honest, but since them it has been a very hard ride and it seems as if no one cares. If you have people that are dealing with the public they would care about an complaint. But this has been too, too long. 
XXXX XXXX XXXX
My employer direct deposited my payroll check on XXXX XXXX, 2015 on my Rushcardand some of my money is still not available to me. It automated phone is telling me my last deposit was on Thursday, XXXX XXXX, 2015. I work very hard for my money and I 'm XXXX, I need my money to pay for my medications which the pharmacy deducts from my Rushcard.
Experian fail to investigate dipute items on credit report. there is a payment on accounts and it saids that account has been sold.
Barclay Credit Card- reporting my account 120 days late in   XXXX   2017 when in fact it was not 120 days late. This company has inaccurately reported my account late on several occasions, after the account had been clos ed. I have made several disputes and they continue to update inaccurately on this account
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.
They continue to call and do not owe debt. They will not give me their companies information or my account #.
Was showing XXXX account was cancelled. I did not cancel this account. When they close it, it will stay on my credit report for 10 years. I dont want it canceled!!!!!!!! Trying to clean up credit. I DONT WANT THIS ON MY CREDIT
Hello, I believe I am one of the affected people from the security breach that happened with Equifax that happened XXXX 2017 as I have discovered from their website, https : //www.equifaxsecurity2017.com/ Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I received a loan from world finance and and lost my job and tried to use the credit life protection that was included in my loan and was denied and sent to collection now i have mutiply collection account when i was enrolled in a service i could n't receive
Hello sir or madam, My name is XXXX XXXX. I had send check X/XX/2017 some how check was returned to our bank the check was applied to mortgage on X/XX/2017 was returned for non - sufficient funds. I send two check one for was late payment the other one was next mount. Than I call the mortgage company the lady on the phone I have paid right now than It was n't late fee will be involve. I made over the phone with my business check credit card. So far I have n't skip any payment they keep sending late payment notice. I call them this was a mistake unfortunately they do n't take seriously what I was telling them. I have I document that showing I had my payment. We ca n't make any progress. If there was a way I need to approach them please let me know. My contact number is XXXX XXXX XXXX email : XXXXXXXXXXXX. Loan company name is BSI Financial Services. Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX.
I am getting collection calls regarding XXXX loans I allegedly took out over 10 years ago. My first issue is that this was approximately 10 years ago and no details as to how I could have XXXX loans ( months apart ) with the same company have not been answered. How if I was in default for XXXX loan, could I take out another at the same branch? My next concern is why we 're he checks that are required to apply, not cashed out? My understanding is loans are paid back by withdrawing the money from the account the check was from. Next, the company was sued for predictory lending practices and barred from offer such loans. I am being threatened with garnishment but can not get any documentation regarding these loans I allegedly took out.
I applied for a loan and was denied. After reviewing my credit report, I discovered Experian re-added a collection entry that was previously removed in XX/XX/2017. 

XXXX XXXX claims that I owed {$920.00}. I went to court to resolve this issue. It was determined that this debt was not mine. I first call Experian but the company refused to removed the debt. A certified letter was sent to Experian. The collection entry was removed. The company sent a credit report proving that the collection entry was removed. 

I provided two copies of the documentation from the Magistrate Court. I am again for the 3rd time providing another copy of this document.
We have been working on a short sale for several months. We have been through several buyers as the bank takes months to decision the file. Our current buyer has been pending for 2 months now. The bank would ask for XXXX new doc eevery week until the file was complete. Since then it has been submitted for approval, with no decision. 

On XXXX at approx XXXX XXXX. I spoke to XXXX - Operator XXXX. He was extremely rude and condesending. I requested to speak to a supervisor and he declined.
My wife and I have filed with XXXX XXXX. we have enrolled XXXX Wells Fargoaccounts. we closed our Wells Fargo account but my wife was a cosigner onour sons account so Wells Fargo started pulling money out of his accountwithout his knowledge or consent and without ours. No letters, emailstelling us anything
Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper verification.
Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management.
My car dealership, XXXX on XXXX XXXX in XXXX, FL, overcharged me for a service on the vehicle by {$640.00}. They rectified the situation by sending me a check for the error instead of sending it to the finance company, which is Ally Bank. I sent the payment to the finance company, and it is my understanding that my interest rate is based on the amount of the loan as well as my monthly payment amount, but after notifying my finance company of this error, no change was made to the contract, and I believe that for over a year, I 've been over charged in interest, which has caused me to be severely upside down in the vehicle equity and unable to refinance with a more reputable institution without an impossible to come up with down-payment.
I contacted the debt collection agency to ask for verification of the debt and they refused, stating that if my dispute was that I had already paid in full that was not a reason to dispute.
Someone opened an XXXX XXXX XXXX account in my name and the account is fraudulent. The account has a balance of {$250.00}. It was opened on XX/XX/2016. I have filed a police report and have spoken with XXXX XXXX XXXX regarding this matter. Hopefully it will be resolved soon.
I received my credit card bill with a non cash advanced interest charge. I contacted the card company at XXXX on XX/XX/XXXX and spoke to XXXX. She stated the system was down and could not help me and to try after lunch. I called back at XXXX CST The system was still down. 
I called back today XX/XX/XXXX at XXXX the automated system said the system was down. I searched to find a non XXXX # I called XXXX and got a live person, XXXX. 
XXXX stated that the system was down being updated. 
I told him I was skeptical and wanted to close my account if I could not get an answer. He stated to call back around XXXX EST. I wanted to close my accounts but could not because of some technical issue on their end, is n't that illegal? I am accruing interest charges and can not stop it, and they can not tell me why they are charging me interest ( I pay in full ) so I do n't have any recourse. I want them to be investigated, I think they may have been hacked and are keeping it a secret.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( Experian  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-Experian : XXXX XXXX : XXXX ) XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX   Experian : (  XXXX XXXX : XXXX ) XXXX XXXX XXXX : XXXX Experian : XXXX. XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX/XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX/XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX )
I have state tax lien reported on XX/XX/2010 that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help
I have tried numerous times to het ahold of regions bank to explain that my credit card was stolen bit they refused to help me in any way then i found out that they finally closed the account but with a very high balance. I want this all fixed.
My mortgage provider has refused to cancel my PMI now that the loan to value is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. 

In accordance with the HPA and CFPB Bulletin XX/XX/XXXX-XX/XX/XXXX they are required to cancel my PMI at 78 % of original value at anytime it occurs.
I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.
According To XXXX XXXX XXXX XXXX XXXX XXXX Is The Original Note Holder But The Public Record And The Chain Of Title Do Not Show That. I Need The CFPB To Demand A Response From XXXX XXXX  And Report This Case To The OCC And The F.B.I Field Office In XXXX FL.For Criminal indictments Do To The Fraudulent Activity In My Case.