WillisBack/dataset-financial-user-claim huggingface dataset:
My father died XX/XX/XXXX leaving his checking account to me and my XXXX siblings by designating us as equal beneficiaries using a Pay On Death instruction. We all live in different states. It has been a nightmare dealing with this bank. Today, my sister, the executor for my father 's estate, went to the XXXX NC branch to close the account. She had in her possession a certified death certificate. The bank issued a cashier 's check to her in all XXXX of our names. THE CHECK IS USELESS!!! We live in XXXX different states, ca n't get together to sign this useless check so that it can be cashed and the funds disbursed as per my father 's POD. AND SHE WAS TOLD SHE COULD NOT RETURN TO THAT BANK BRANCH TO CASH IT EVEN IF SHE COULD MANAGE TO GET OUR SIGNATURES ON THE CHECK. No bank will take a check made payable to XXXX individuals. So, BB & T, you are still holding our money hostage! The account has been closed and we have a useless cashier 's check that NO BANK will cash. Now we have to hire an attorney to sue your bank to get our money. Is this how you treat your customers? Even though your " customer '' is deceased, we became your customers at the time of my father 's death. What is so hard about closing an account and issuing separate checks to the XXXX named beneficiaries? I 'll probably not hear anything from you in reply to this post. You did n't reply to my first post yesterday either. But I will continue to post my complaints until this gets resolved. You do not do business in an honorable way and I am glad that I do not bank with you.
Citibank, u sing information from when I opened an  XXXX   XXXX  card through Costco, opened  a Citibank  account without my permission ( when  Costco swit ched from using  XXXX  to  Citi ). The y then charged money to this account, without authorization, to continue a  Costco memb ership ( that I did n't wish to keep ). They then continued to charge me late fees for this debt that I never authorized.   I do n't wish to do business wit h Citibank, and t hat 's my choice as a consumer. They have no right to force me to do business with them, much less put debt on me that I did n't authorize.
In XX/XX/XXXX, I suffered some financial, personal and physical hardships due to Hurricane Irma in Florida. 
As a result of my circumstances, I contacted my creditors of which one was BMW financial services. I had heard that they had a disaster relief program that afforded their customers the opportunity to enroll in their loan deferment based on such disaster circumstances and needs. 
The terms that were discussed and extended to me was that I would be able to receive up to 3 months skip payments without any penalties. The reason being was that these payments would be placed at the end of the loan and in addition they will not be reported as delinquent to any of the credit Bureaus. 
Needless to say, the exact thing they told me would not happened, actually did. From XXXX to XX/XX/XXXXmy credit score was between XXXX and XXXX with no skipped, late or missed payments. I have had a vehicle financed with BMW Financial Services from XXXX, up to present and have never been 30 days late or missed a payment throughout the entire period. 
At the end of XXXX, my score went from XXXX to XXXX where it is currently based on the report that was sent to the credit bureau by BMW. In essence, the three months they agreed to not report any late payments, it is now showing 30, 60 and 90 days delinquency on my report via BMW Financial Services. 
I have spoken to BMW and they have disregarded everything that was agreed with me and instead seemed more concerned with placing blame and stating what their police is. The fact is that I had other options and would have taken those one of those option rather than have my credit score drop to the such drastic level based on untruths and lies. 
In closing, let me say that this situation has already affected my ability to do financial stuff in my life. I have turned XXXX years old recently and had been making plans to buy a small cheaper condo. However, the sudden reality for me now is that my current Credit status has already began to affect my ability to buy something reasonable in XXXX Florida even though opportunities exist.
I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.
I submitted a XXXX complaint to Chase Bank to implore them to issue and sign a Hold Harmless Letter ( HHL ) on my behalf to XXXX XXXX XXXX ( XXXX ). The request for HHL was due to a recall of a wire transfer ( XXXX, XXXX ) that I personally initiated since I was made aware of a SCAM being perpetuated by an account holder of XXXX. The intent of the HHL is to protect the account holder from XXXX in the event that I am the one perpetuating fraud. The information that I have from my local detective who communicated with the criminal investigative unit at XXXX acknowledged that there have been over 25 other fraudulent transactions associated with the account and the account is currently " locked down ''. I have provided a significant amount of information such as a XXXX XXXX   Article, email transcripts and other document to substantiate that I was a victim of a scam. Issuing a HHL on my behalf should be a courtesy based on the circumstances of my request. According to Chases position I should seek law enforcement for assistance in this matter and I have completely pursued this approach also. I had a police report generated for the case at my local police department, coordinated with the countys internet crime division prosecutors office and reported the incident to the Internet Crime Complaint Center ( IC3 ) which is part of the FBI. The prosecutors office indicated that they will not be able to issue a HHL or provide a Seizure Warrant to legally retrieve my money from XXXX. The arbitrary response I received from Chase shows that they have not considered the merits from my request and maintain an unyielding corporate position not to issue a HHL as a matter of policy only. The lack of consideration afforded to me shows that they dont care about their clients. The only risk that Chase would assume would be if the account holder of XXXX had a legitimate objection to oppose the recall which I am willing to accept personally. I would like Chase to reconsider my request.
To whom it may concern I had apply for a loan with prosper because I got a approval letter. 
I completed the application information on line I instantly got approved for XXXX Out of those I only request XXXX there was already a fee XXXX so it let me off with only XXXX and it was supposed to be deposited to the account within 14 days or earlier. 

I have verified all my personal information and answered all my personal questions and information such as credit questions they ask me like 10 questions I believe I answer each of the questions correct such as if I had any other credit cards and loans and a car I had recently paid off or finance and even my daughter name. I answers all questions asked from them. 

After everything was ready to go I received an email as I was using my stepson email which is XXXX and XXXX I dont have an email created for my self yet because I did not think its necessary. 
Wen I saw this message on the ema I called them back and got very angry and dissapointed. I ask the lady representative to tell me why all suddenly got denied after everything was finalized and I signed the contract online everything was ready to go and supposedly I was receiving the funds to my XXXX bank account within 14 days or sooner. 
Than the lady said to me that she wasnt supposed to tele the reason why they change their minds. And than I ask her if this was a XXXX act thing because XXXX XXXX. They humiliated me and treated me like garbage who on earth would do that to. Borrowed after sumbmit all documents and got approved and than denied me she also mention that they believe that I was lying about my personality and my information in other word that I was not the person who was me XXXX XXXX full name is XXXX XXXX XXXX I even sent them a state of Illinois ID to verify my identity and also sumbmit them my United States of Americas passport I a legal person here in the USA and Im a XXXX XXXX I feel like they treated me like garbage and humiliated me because Im XXXX
I, XXXX XXXX, was the owner of, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. I purchased the Property by obtaining a secured Deed of Trust from CITIMORTGAGE, INC. Loan No. XXXX. The Deed of Trust was secured by the bank, and provided for a foreclosure sale of the Property to satisfy the unpaid balance due on the Deed of Trust since I was alleged to be in breach of the agreement. I made monthly mortgage payments for the Property pursuant to the Deed of Trust for approximately five years, though eventually a balance accrued and the bank informed me of its intention to foreclose on the Property. On or about XXXX XXXX, 2015, the principal balance on that Deed of Trust was approximately {$100000.00}. The bank did foreclose on the Property, and the Property was sold on XXXX XXXX, 2015, for {$150000.00}. My understanding is that the bank received that full sales price from the purchaser of the Property. The sales price exceeded the balance on the Deed of Trust by approximately {$49000.00}. The bank has given none of the {$49000.00} excess proceeds from the sale of the Property to me, despite my requests for that amount. Rather, the bank informed me that they would provide that money to XXXX XXXX, a corporation that did not and does not have any lien on the Property. 
I was not notified that the bank was going to foreclose on the house until after the fact. The so called notice was sent to an address that is not mine upon inquiry. I also found out that the so called notice was sent only one week prior to the sale of the property. One would have expected adequate time and notice sent to the correct address before the foreclosure.
I checked my Bank of America account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back.
Im not sure of dates but one was from XXXX one from XXXX through XXXX that i never had or did anything for, also XXXX bills through the XXXX XXXX when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
I was in the process of buying a house, everything was fine until we needed a credit report from Experian. We did not have any issues from XXXX or XXXX, only with Experian. I have an account at XXXX XXXX since XX/XX/XXXX. The people of Experian said that they have not received any report about me from XXXX XXXX in years, that the last one was with an address from Arizona where I lived from XX/XX/XXXX to XX/XX/XXXX.  So, I called XXXX XXXX bank about this issue and explained my problem to them telling that I was in a hurry, that I am in the middle of an escrow and that the only thing that we needed to move forward was to get that credit report from Experian, and that the guys from Experian needed the information about me from the XXXX XXXX. The person at XXXX XXXX checked and said that they have been always reporting to Experian. I called back Experian, and that was the main issue here, Experian and XXXX XXXX have been blaming each other and the problem is not yet solved. 
My realtor and the guy from the financial services have been helping me and my wife with this. I added my wife to my credit card months ago, she is the co-borrower for the credit that we need to buy this house. The guy from the financial services discovered that the XXXX XXXX had frozen my credit reporting, we were totally unaware of that fact. We called again XXXX XXXX now about this issue, XXXX XXXX ( the  guy from the financial services ) was on the line, he proposed the conference call. We called XXXX XXXX and he explained the situation, and we were put on hold, with the new person on the phone he had to explain everything again, I passed the phone to my wife and I told them that I authorized my wife to do on my behalf whatever that needs to be done. I had to leave because I have a job to attend. XXXX and my wife were about two hours on the conference call with XXXX XXXX, being jumped from one person to another, waiting in between and having to explain all over again every time. The last person to who they have to talk was the one from the dispute department, it happens that they put a dispute about my data regarding the Experian case, all my information was frozen and that has caused a even further delay because the administrative process to unfrozen it takes several weeks. 
Now we lost that house, the seller can not wait any longer and now they are selling it to another buyer. This has caused us too much stress and we have lost a lot of time and also money, the direct expenses in which we lost money were for the inspection of the house ( {$370.00} ) and for the rapid rescore agreement ( {$240.00} ) with the XXXX XXXX XXXX. Other expenses were the fees for the rescheduling of our summer trip and the extra cost of our current rented apartment because the contract is over and we are in a monthly base arrangement.
On or about XX/XX/2016 I called AAG about a reverse mortgage we went through the steps needed and the-the appraisal. On XX/XX/XXXX when we received the appraisal, a XXXX XXXX XXXX XXXX Processor we talked to and was told about things on my credit report ( In which I took care of. ) XXXX repair. And we told her about how the appraisal was not correct with the low appraisal. 1.we have XXXX bathrooms that it showed in the pictures he snapped, but he reported only XXXX bathrooms. none of the lower compared homes looked like mine ( mine sits on a lot and a half and have the new walkway from the driveway to the enclosed back sunroom, no walkway was there before. a drive way, sidewalk and new poured front door walk. ) XXXX new sheds.extra large rooms in my home. After I submitted the repair to XXXX,. on the XX/XX/2016, I heard nothing back from her. I emailed and called and no response.XXXX XXXX The loan office is also difficult to reach.So we contacted XXXX XXXX the complaint person. After he contacted them XXXX would return calls. The again no responses. Last week I called to see what was going on XXXX never responded, so we called XXXX and we were told they needed an explanation on the credit report late payments. ( If we had n't Called I would n't have known anything about it. ) Those things were either not mine or corrected by the Credit Bureau in which I submitted to the XXXX and nonresponding XXXX..I asked again about the appraisal being taken care of, ad XXXX told me that was XXXX department. No response from her so Friday XX/XX/XXXX we contacted XXXX XXXX again, and he told us we will here from him by the end of the day. We did not. XXXX called with an attitude mad because we contacted XXXX, He started taking up for XXXX asking us in a smart way She never contacted you back, you never heard back from her? we told him then and before that she never responds. I called back and asked for XXXX manager and a recording we received, and I told her how XXXX was acting an ask for an apology. XX/XX/2016 Nothing yet. So I called XXXX XXXX ( The people who handle the appraisals ) I spoke to XXXX and was informed that he had not received nor heard anything from XXXX XXXX XXXX about the appraisal not being correct, And they are the ones whos suppose to contact them about this, and he will email XXXX about this concern. So from XXXX When we received and told XXXX about this, it was never taken care of nor sent back for correction.
I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.
Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc
When I contact Navient to attempt to lower my monthly payments based on my income, I am told that my necessary expenses such as rent and utilities are not considered in their calculation. I do n't know if this is common practice with all student loan lenders first with XXXX XXXX and now Navient I 'm being told I having a roof over my head and gas to cook with are luxuries. I 'd like to see this policy/practice changed with all lenders. 
Additionally, when attempting to collect past due payments companies should only be allowed to place one phone call per day. XXXX XXXX made a habit of calling a minimum of five ( 5 ) time per day.
ARA Inc contacted me by my company cell phone and the first thing they said was that they were going to file suit in XXXX County if I did not pay a supposed debt of {$24000.00}. Upon researching what little information I got from them the supposed debt was from 2007. XXXX XXXX XXXX did not have any records for the account number that they gave me. I requested in writing any information they had. I will attach the letter. This is past the 4 year Statue of Limitations for the state of Georgia.
Submitted a written statement detailing that the inquiry on my credit report be investigated as i have not financed or attempted to finance a loan with this company. Still remains on my credit report and XXXX  the credit reporting agency will not allow me to dispute the inquiry.
Equifax security breach, potentially compromised information verified by Equifax website. Went through XXXX to add a fraud alert to my account to all credit unions.
I have been called everyday, several times a time. I had discussed my intentions in a polite manner and how I was getting money from my retirement plan to pay this debt and that is takes XXXX days to obtain the funds and how I had discussed this with the school i attended. I also explained that I intended to pay the debt. No even XXXX days later, XXXX from the collection office calls me and barrads me for the debt. After trying to explain to her that I spoke with someone XXXX days ago about it, she said she was " checking on the status '' I asked her if she was going to call me everyday until the XXXX days, she said yes and it was her right. I told her that this was harrasment, she replied that it wasnt and that she would call everyday, several times a day until the debt was collected and that if i didnt want to talk then not to answer the phone. Then she started to laugh, as if this was entertaining her and as if it was a laughing matter. This upset me because I am trying to work to get this debt paid and she has no idea the circumstances that caused this debt to get behind in the first place, then she laughed again until i hung the phone up. The past XXXX days i have been called XXXX times at all hours of the day
I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX   credit report today, which immediately negatively impacted my score ( score dropped 17 points )
i had barclays card and there was an auto repair purchase on there that I disputed becuase the repairs weren't done correctly and my car still didnt work Barclays gave me the money back then took it back and gave it back to the shady mechanic
Hello Green Tree Servicing did not provide correct information regarding the sale of my house and is listed on my credit as a short sale and am requestion that get removed.They broke the law by mishandling the rewuest for short sale and never told me it would fall indure the short sale
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and XXXX to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. XXXX even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
On XX/XX/XXXX I got a personal loan for {$1600.00}. On XX/XX/XXXX another for {$1200.00}.

On XX/XX/XXXX we refinanced and combined the 2 loans making it {$3000.00}. On XX/XX/XXXX the account was closed and I have not spoken with them since. Every other month including the most recent onXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX there are hard inquiries being done without permission. I have not spoken with this company since XX/XX/XXXX, yet they still make hard inquiries every other month or so.
I was called at XXXX and answered the phone and told the person on the other end of the phone that she was not allowed to be calling me after XXXX. She stated that she was allowed to. The company that called me is ECMC. *Note* In the attached picture, ECMC is not a number I have programmed into my phone, it is a Caller ID that XXXX has assigned to the number that called me.
XXXX XXXX My Legal Council did Not Send Copies of My Credit Life and XXXX Documents To Opposing Council Or Judge XXXX XXXX XXXX so i took Copies in to The Clerk Of Courts However Since the Documents were Not Presented By My Attorney to Opposing Council and the Judge it Was Not Reviewed Therefore Resulted in a Negative Result for Me if in Fact the Documents were Presented Properly the Result Would have Been Much Different.