WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2017, we noted fraudulent charges on my Bank of America business account, via our debit card. Since we were away on vacation, we were not able to immediately report the charges but did so within 30 days. The charges we done on XX/XX/2017 and XX/XX/2017. These charges were made at XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. The charges were of {$600.00}, {$560.00}, {$1000.00}, {$600.00}, {$250.00}, {$350.00}, {$7.00}, {$46.00}, {$700.00}, {$800.00}, and {$1700.00}. We contacted Bank of America about the fraud and we were told they opened a case. However, it took us calling 3 different calls for them to finally open a case. They denied the claim for various reasons. Finally, we were asked to prove that we were not in the XXXX, TX area when the charges were made and thus were fraudulent. We sent Bank of America all proof showing that we could not physically have made these purchases by showing the hotel room itineraries, flights, and more. Bank of America did not do their due diligence to get down to who committed the charges and just told me the case was closed and they will not do anything else. None of the stores were contacted or asked for proof.
I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : XXXX ]
Portfolio Recovery Associates for amount of {$1200.00}. I have sent Portfolio Recovery Associates several debt validation and they have not responded and also reporting this collection to all 3 of the credit reporting agency. This collection does not belong to me.
Today on XX/XX/19 I was contacted by a loan company I never applied for. They knew all of my information prior so I assumed they were a legit lender that was in business with a company I had shared my information with. They deposited money in my account and I withdrew it and paid for gift cards that I had sent to him via phone pictures. It didnt hit me until he said Id not get my loan if I didnt do it again. I hung up and immediately called my bank. Its my fault legally and now being a XXXX year old thats only trying to build my credit the right way, Im going to lose XXXX dollars of my money this paycheck.
I borrowed funds from CheckSmart. Unfortunately within the time I was scheduled to pay back, I had unforeseen expenses come up that just had to take priority. On XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 12 calls total. I was at work unable to answer. When attempting to call the number back, I was unable to get through. On the following day, XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 9 more phone calls while I was at work. From a number that I was unable to call back. I find this to be extremely harassing as not only was I not given enough time to call back, I also can not reach the company from the number that I received calls from.
In XX/XX/XXXX, we contacted Navy Federal Credit Union to apply for a VA Mortgage Loan. The loan application was taken over the telephone with my husband, XXXX and myself on a speaker phone with the Navy Federal Credit Union employee. Everything went well. He said everything looked good, we should have an answer in 48 - 72 hours. We never heard anything. Four days went by, I called to find out who our loan officer was and get a phone number for our contact. I tried calling several times and there was no answer. No voicemail. Finally, she answered her phone and before I could say anything, she said " I can't talk right now, I am out of the office, I will call you later. '' and she hung up. She called the next day and stated that she could not read any of the documents that we had scanned and emailed. We would have to take them to a branch and have them scanned in. It would be 48-72 hours before she would be back in touch with us. I took the documents to the branch and had them scanned in and emailed to her. She called us the next evening and wanted to know who the veteran was. ( We had included a copy of the XXXX and XXXX from XXXX ). It was apparent that she had not looked over the file at all. We requested her supervisor call us. Several days passed and I called and requested that her supervisor call us. I sent several emails, requesting her supervisor call us. I finally called the mortgage division and demanded a new loan officer. We were then notified the home we had been interested in had received a number of offers and they had accepted one and had a back up. At this point we still had no answer on our loan approval. Three days later we received our letter of approval. We review our credit regularly and noted that Navy Federal Credit Union had two " hard '' inquires on our credit. These stay on our credit for two years and can deminish your credit. I contacted Navy Federal Credit Union and requested they correct the multiple credit inquires. The loan officer said it was because I was listed as the veteran initially. I told her that was not our problem since they had a copy of the XXXX, the XXXX from XXXX and at any time that could have been cleared up with communication. The supervisor, XXXX, refused to talked to me because my voice is " harsh '' and hurts her ears. Through the loan officers, I have been told XXXX has submitted this three times to be corrected since the first of XX/XX/XXXX. It is now XX/XX/XXXX and there is no correction reflected. I have spent hours on the phone with Navy Federal Credit Union. I have experienced exceptional service from every department EXCEPT the mortgage department. We have had two other mortgages with Navy Federal Credit Union and have never experienced such poor service. The behavior and lack of professionalism is shameful and certainly not what members of NFCU have come to expect or deserve. Hopefully, someone in the corporate offices will take note.
I have my student loans through Sallie Mae/Navient. I work in a high needs district and after working 5 years requested a loan forgiveness which they denied. They told me my loan I was requesting to be forgiven was consolidated with one that was taken out before XXXX making it ineligible. I never requested a consolidation as I knew I would be requesting the load to be forgiven. They automatically consolidated it when I applied for a 2nd load to get my masters. I asked for documentation to show this and all they sent me was a single page with an electronic signature in my maiden name when at the time I took out the loan I was married. I have been paying on these loans since XXXX and still owe the amount practically the amount originally borrowed for my education. I've paid roughly 500.00 a month for 20 years.
I made a purchase of {$86.00} on my Capital One credit card on XX/XX/XXXX. I received my statement from Capital One for XX/XX/XXXX-XX/XX/XXXX with a XX/XX/XXXX minimum due payment of {$25.00}. On XX/XX/XXXX my wife made a {$40.00} payment ( late ). On XX/XX/XXXX my wife made a {$40.00} payment of which Capital One posted to the wrong account and Capital One charged me a late fee for posting my payment to the wrong account. My wife made a final payment was {$31.00} ( $ 6.59+ {$25.00} late fee ) for a total of {$110.00} and wrote " PAID IN FULL '' on the check. That is {$86.00} plus one late fee of {$25.00}. Capital One cashed the check. On numerous occasions I had told Capital One to contact my wife and talk to her regarding this issue and Capital One refused to do that. I am a truck driver and I can not talk on the phone while I am on the road. My wife has tried to talk to Capital One numerous times from XX/XX/XXXX to  present. Capital One refused to talk with her even with my permission. I filed a complaint on Capital One XX/XX/XXXX with the Better Business Bureau, ID # XXXX but Capital One continues to bill me for {$140.00} in late fees and finance charges. I don't feel as though I owe Capital One anything else. Please help me.
During the loan application process with Sun Trust bank, the lending rate was revealed towards the end of the application process and was over 10 %! I never completed the loan application when I saw the rate. I was tricked into nearly completing the entire loan process before the rate was revealed. When the rate was revealed, I stopped the process, did not submit the application.

Sun Trust took my information and opened an account which was revealed on my credit report. When I contacted Sun Trust bank they said they would close the account. 

This is similar to the XXXX XXXX debacle where a bank is opening an account under the customers name without approval. 

AVOID SUN TRUST BANK. DECEPTIVE PRACTICES!
My father passed away in XXXX. He has a POD account with PNCbank. PNC refuses to admit the account is pod even though it is marked pod on his account statement and will not talk with us without an executor of the estate. With pod you dont need an executor of the estate.
Dear Sir or Madame, In XX/XX/XXXX I spoke with XXXX [ Address : XXXX XXXX, NY XXXX, Phone XXXX, XXXX, Agent : XXXX ] and expressed the interest in buying the truck and I stated that I am looking for the loan. The agent advised me that he will find the best commercial load for me. In short time he called me and said that they have affordable loan to finance purchase of commercial truck ( XXXX XXXX XXXX ) via XXXX, XXXX. [ Address:XXXX # XXXX WA.XXXX Phone : XXXX, XXXX XXXX. In numerous discussions with broker ( XXXX ), the loan amount is set to total {$20000.00}, pay-off in XXXX months, plus admin. Fee of {$1000.00} and XXXX prepayments of {$1900.00}! I signed the contract having these terms in mind. When they cut check to equipment seller, they changed the contract and the monthly payment amount to $ XXXX month. However, they changed the terms of loan from XXXX to XXXX months. I was not aware of this fact at the time. I was making the payments in this amount on the regular basis, sometimes I was even making higher payments in order to pay off my XXXX faster. 

In XXXX, I called XXXX, to ask for pay-off ( this was my first inquiry about the payoff ), since monthly statements do not have that information listed on the statement .... The response I got was very shocking- the payoff amount was around {$34000.00}!!! 

Following are the present facts : I already sent close to {$15000.00} in monthly payments. I borrowed {$20000.00} for a commercial loan ( to purchase my truck ). It appears that overall interest on the loan is over XXXX %, with final payoff amount of {$49000.00}. I spoke with Financial Pacific Leasing numerous times requesting the explanation and stating the misleading facts but I received no explanation from them. The only thing they can say is : YOU SIGNED THE CONTRACT AND YOU ARE LIABLE FOR IT, AS STATED IN THE CONTRACT. I asked about option of offer in compromise and would I have an Equipment Title after I pay that off ... The answer was : You should read what you signed, it is NON TRADITIONAL LOAN, you signed it!!!! My question after then was, " Is this a Loan or a Lease, and what does Non-traditional Loan means? " - the answer was " Read the whole Contract '', no further explanation whatsoever ... 

My only source, to solve current situation and try to bring my life back to track, is to ask You for your legal help. I believe there are lending standards in this industry ( standards for interests, for loan conditions ... ) and other lending regulations/ terms to protect customers from such predatory lending practices. I understand that many lending institutions are regulated and held to certain standards. I honestly believed that I was dealing with legitimate entities, and that they are bounded by industry regulations. But this contract seems to be against all regulations and standards. 
At XX/XX/XXXX, I reported my complain to XXXX State Office of the XXXX, phone : XXXX, web : XXXX # : XXXX Please help me legally make reasonable loan conditions in accordance with legal standards. 
Thank You in advance. 
Regards, XXXX
This problem has occurred over 2years. First National Bank of Omaha charged me several overdraft fees. I contacted them about the problem over the phone and advised them a First National Bank in another state was sued over deceptive accounting practices they were utilizing and they in turn made changes to my account that I never authorized. They sent me a few letters that were very insulting. They took away my overdraft protection and put send items back against my wishes. I checked my online account almost daily. They would hold transactions for weeks and then post them all at once in any order in which they chose. They accused me of being the reason my account was overdrawn, but they would alter my records and make it nearly impossible to keep up. There were a couple of times I tried to close my account and they made excuses why I couldn't close my account and then went back on it later saying they never said that. I finally changed banks and have only overdrafted once. That tells me that I'm not the problem.
Our loan was recently sold to a new company which outsources its servicing to Specialized Loan Servicing, LLC. Since the transfer the customer service is awful and they have not been able to provide us with the ability to obtain Checks to use against our Home Accelerator Line and our monthly statements fail to provide any specific information on who or what entity is pulling money out of our account which prevents us from reviewing for any fraudulent activity or identity theft which is a huge concern in this financial environnment. The basic information needed on an a monthly account statement for any sort of bank reconciliation is missing. 

Its seems as if the financial insinuations do n't want to comply with regulations so they are outsourcing to this company which seems to be inadequate in providing the very basic information to consumers to properly monitor the withdrawals and payments of equity lines and loans. They fail to provide any detailed account information showing where any of our monthly payments to the loans have been applied. I assume they are required to comply with the minimum disclosures and fraud prevention as a servicing company but have told us they do n't have any resolution at this point. There also seems to be hundreds of complaints on line about the servicing and payment allocations of this company and I am concerned that we will also be subject to similar violations.
This company negligently stored user data without encryption resulting in my personal information being accessible to anyone online. I am now at a much higher risk of having identity theft in the immediate future, and possibly for my entire life. 

While they did not personally release this information, and the information was obtained through an illegal hack of their website, they had gross negligence when handling my personal information.
many accts were paid by XXXX insurance bank took the money from the insurance but still charged off the accts get them to correct the file
CareCredit.com is who I am trying to pay back, but I found that I am charged an astronomical late fee if I do n't make the monthly payment. My understanding was that if I paid the amount that CareCredit loaned to me, that is the total that I would pay within the " interest window ''. I borrowed {$750.00}, made a payment of {$140.00} and my balance is {$1000.00}. How is this transparency allowed to be carried out by CareCredit when I am still months within the payoff date?? This is wrong to charge these fees, especially when I am not past the XX/XX/2017 payoff date.
I am a husband and the debtor is my wife. I received and returned calls on XX/XX/XXXX @ XXXX est, XX/XX/XXXX @ XXXX est, & XX/XX/XXXX @ XXXX est. All three times the debt amount and its collection status was disclosed to me as well as demands for payment although I am not on the debt. They continued to call me and collect a debt even after explaining that it was my cell they were calling, that I am not a right party, and that they needed to speak to my wife. When I asked them to stop calling, since they are only allowed 1 call to update info, they told me they would not cease calling until they received it in writing. I am not a right party, they can not disclose nor continue to harass me for a debt that is not mine. They continue to do this after being told their errors. They even lied to me about legalities.
Citi Bank has pass a false debts to a number of collection companies. I been emotional as well as financially harassed. I have been unable to perform my daily actives, I can focus, sleep and eat due to stress caused by a debts that is not true and accurate. I was not informed that court action till years after the proceeding taken place. I did not and do no live at the address list on the court documents nor was I a resident or a visitor of that resident at the time they collection company claimed to served a summons into court due to my residency and visiting other states.
I have tried several times to get Transunion to remove the public record stating that I had XXXX delinquent state tax liens ( for which I do not have ), with no success. I was told that " the state has verified the information. '' However, when I contacted the XXXX of XXXX Department of Revenue, they stated that they do n't verify such information with the credit bureaus. To compound the issue, the liens that are be reported have a report date of XX/XX/XXXX, XX/XX/XXXX respectively. On my Transunion credit report it states that " liens may remain for XXXX years '', but further on my report it states that these XXXX particular liens " will not be removed until XX/XX/XXXX. '' I was directed by the XXXX Department XXXX XXXX to refer the credit bureau to the state website to verify the liens but the bureaus either refused to do so or stated that the information had been verified. Communicating with Transunion is difficult at best, but trying to get all parties involved on the same page is impossible. This seems like a simple fix but the credit bureau has made it complicated. As one can imagine this has caused considerable issues for me financially.
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Innovis
Diversified Consultants refused to remove an account from my credit file, though it has been paid in full. I have contacted XXXX the original creditor who agreed to have the account deleted.
as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11XXXX XX/XX/XXXX
I paid my account every month on time using the website but one month i got notice that they never received the payment 30 days after i paid it causing a late payment to be put on my credit report. I have tried to get the account showing as paid as agreed but have been unsuccessful.
Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help.
On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA. 

I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.
MY NAME IS XXXX XXXX I BOUGHT A TRUCK FROM A MAN IN XXXX WITH NO LIEN ON TITLE I WENT TO MY DMV IN XXXX  GOT MY PLATES SENT OFF FOR TITLE IN A WEEK LATER THE DMV SENT A LETTER THAT THE TRUCK I BOUGHT HAD A LIEN ON IT FROM WELLS FARGO THE LIEN WAS FROM XX/XX/XXXX IN THE NAME OF ( XXXX XXXX ) XXXX XXXX XXXX VIN # XXXX I HAVE TRIED FOR 7 DAYS TO GET THEM TO RELEASE THE LIEN AS IT HAS BEEN PAID OFF A COUPLE YEARS AGO I FAXED SEVERAL TIME TO 3 DIFFERENT FAX NUMBERS WITH INFO THEY WANTED AND NO RESPONSE FROM THEM I FAXED ORIGINALLY LAST TUESDAY XX/XX/XXXX AGAIN FRIDAY XX/XX/XXXX AND AGAIN TODAY XX/XX/XXXX I FAXED EVERYTHING THEY WANTED-NOW THEY ARE ASKING ME TO FIND THE MAN XXXX XXXX TO GET A BILL OF SALE FROM HIM BUT I DID NOT BUY TRUCK FROM HIM AND I CANT FIND HIM ANYWHERE HE WAS 3 OWNERS BACK HE COULD BE DEAD OR IN ANOTHER COUNTRY -- I KNOW HIS LOAN WAS PAID OFF I JUST NEED A NOTARIZED LIEN RELEASE FROM WELLS FARGO SO I CAN GET MY TITLE FROM XXXX DMV PLEASE HELP ME ITS BEEN VERY FRUSTRATING FOR ME