WillisBack/dataset-financial-user-claim huggingface dataset:
I had a CD with XXXX XXXX, that was transferred to XXXX XXXX. I was told everything would remain the same, and for two years it did and I was very happy with them. This happiness induced me to open two more Cds with them for a total of three. The latter two CDS were opened with Goldman Sachs. My problem began when they began Using XXXX/Goldman Sachs and transferred these cds to them My problem began when in XX/XX/XXXX they changed my user name to my email address, without any authorization, and will not let me log in without sending to my email address a pin every time I want to Log into my account. I have complained to them numerous times about this problem. 

Today I filed another complaint with them and this time I insisted on a case # XXXX, with a person who said his name was XXXX who refused to provide his last name or employee ID # who said he worked in the XXXX XXXX XXXX Utah office. On the other occasions I complained they sent no written correspondence to say the complaints had been received. Today I requested a copy of my complaint and case # be sent to me. I was told sorry they can not do that. There is simply something very wrong with this situation. 

This use of email address as a user name and forcing people to accept this and logging into a site that is not secure like a bank is supposed to be is absolutely absured and not what I agreed to when these accounts were opened. 

Email can be hacked thus exposing my information to anyone that would hack or intercept an email. I DO NOT WANT MY BANK ACCOUNT NAME TO BE MY EMAIL ADDRESS, It then would let the hacker get not only information to these accounts but all linked accounts. I feel very unsafe with this institution, before they were very nice and responsible now they are HORRIBLE. Even their customer service and accessibility sucks too now.
I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant.
This Company Valley Collection Serv is attempting to collect a DEBT that I DONT OWE!! 
they are letting someone else who is occupying the address XXXX XXXX XXXX use my name for their utility service!! I have written them a letter and tried to get this handles and fixed they have failed to fix it and are still reporting the inaccurate and false information on my credit report. 
I have not lived at the previous address. I have not been using their utility service, I asked them to provide me with legal proof that this is my debt and they have failed, all they sent me was the amount owed!
I was sued by Midland Financial and they ended up getting a judgment and I paid that, via a forced payroll deduction, then they came back on another loan and were relentless in their efforts, however ; this time I fought back although it pushed me into bankruptcy once the chapter XXXX is complete I will be free of this scourge of a company. I recently read there was a judgment that the company had to refund those who were wrongfully sued. I am inquiring about that, as I have heard nothing from Midland on this, and the first loan I feel I should get the refund. 

Encore and XXXX Must Refund XXXX Dollars and Overhaul Debt Collection and Litigation Practices
I 've recently got a debt removed from my XXXX credit report with XXXX XXXX due to identity theft. Now as of XXXX XXXX 2017 it has been added on under a different collections company name PINNACLE LLC/RESURGENT and the amount is {$1500.00}.
XXXX XXXX NO MISSED payments/ NO BALANCE cancelled due to loss/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. 
can not reach anyone regarding account.
Financial Data Systems, LLC is a collection agency for XXXX XXXX XXXX. XXXX did not file the appropriate medical claim to my insurance carrier for payment for date of service XXXX/XXXX/16. This visit was for an emergency room visit and all charges should have been submitted to my insurance carrier for payment. XXXX 's charges are for {$160.00}. FDS reported said amount to two different credit agencies after agreeing to remove said debt from my credit file. They stated that their client had been provided the correct insurance information. My insurance carrier contacted FDS and XXXX to insure that the correct information had been provided. My insurance carrier has yet to receive a claim and this negative information is still being reported to my credit file for an amount I do not owe. FDS has not complied with their original statement to remove this debt. They have been informed on several occasions that this debt should.be filed with my insurance carrier.
Payments was due on XXXX of XXXX, but was paid on the XXXX. Late fee 's are applicable if paid after XXXX. Received a " Notice of Pre-foreclosure '' by certified mail on XXXX of XXXX stating I had 30 days from the XXXX to discuss Pre-forclosure with them or they would start foreclosure proceedings. If they are going to give me 30 days why do they wait until 6 days into it to tell me by certified mail?
This account was paid in FULL ... this account is being reported with a balance even thjough I paid it to XXXX ( I have a letter from XXXX XXXX XXXX stating such ) This is a direct violation of the FCRA. Please take appropriate action against the credit bureau and XXXX XXXX XXXX!!!
Received an offer in the mail to obtain a personal loan from Prosper.com. I went online and filled out the required paperwork as to income verification etc. A couple of days later I received a truth in lending offer stating my loan had been approved at 9.57 %. Within a couple of days my money was in my personal account. This is where the deceit comes in. When I inquired from both Prosper.com and XXXX XXXX in Utah what the amortization schedule was it was like light in the eyes of a deer along the highway. No one wanted nor did they respond to my request. I have yet to receive a detailed break-down of interest vs principal for payments over the life of the loan. I assume that they intend to collect all of the interest payments up front??? Under TILA I should have gotten a much more detailed document prior to the execution of the loan and transfer of capital. Under TILA the Right of Recission must be done within 3 days but what are you walking away from ... ... ..?? There isn't any terms agreed to in writing. If you are a crook then its well thought out. If you are honest you may very well be getting scammed. I have also contacted XXXX XXXX as that is the financial source for Prosper.com.
I just received the attached letter on XXXX XXXX, from Chase suggesting I look into Short Sale of my home of nearly 27 yrs. I take this letter as a threat to sell my home out from under me!! like the already filed complaint ( CFPB ) referenced the phone call I received from Chase Collections dept in my previous complaint with CFPB whereas the caller told me that they could sell my home out from under me and I would not know anything about it until I got an Eviction notice from the local sheriffs dept. I am extremely concerned that Chase is about to do this to me, I feel extremely emotionally abused and threatened. There is a deadline date of XX/XX/XXXX on this letter attached. I am still awaiting to hear from Senator XXXX XXXX office if XXXX gave up to them the audit that XXXX did on this predator loan in XX/XX/XXXX. I am presently looking into a possible court action against Chase for Blackmail ( Chase previously tried to rope me into a XXXX modification or face possible foreclosure etc ... ), fraud and etc .... on this matter. I believe that Chase is trying to ignore the wrongs they are and have been doing to me causing enormous duress and extensive financial and emotional, strain and damages.
post closing the lender is asking for money to cover an error from the closing company and lender. They made a mistake in calculating the payoff amount for the old mortgage amount, the error was {$7500.00} and the lender is asking us to pay it, a week after closing I was informed of the error. We do not have {$7500.00} om hand, and they lender should have verified the payoff amount of the old mortgage.
I sent a payment via negotiable instr ument ( p romissory note ) which is legal tender according to th e 1912 Hague treaty and the U.C.C. laws of the United States. To Nations Direct Mortgage/  XXXX  for full payment of mortgage on my propery. This institution accepted and received payment which is acknowledged in the letter that I have attached from them in this complaint. They were at that time only asking for the intrest that accrued from the time of reciept of instrument to when they recieved payment from Treasur y Dept.  That letter was also responded to and another negotiable instrument was issued to cover that amount.  Nations Direct  Mortgage is in violation of the terms of the note. They did not notify me that they recieved it within the 3 day period alotted by law. Aft er three  days, law states that the prommissory note is accepted. And the debt in question should have been released. This institution is still trying to collect on a paid debt. They have no more claim to  XXXX   XXXX   XXXX   . Th ey are to cease all collection action and release the lean on the propery. For your reference I have attached copies of the notes sent with all quoted  U.C.C. la ws on them.
My credit card company,  USAA canceled their contract with Mastercard and began a new contract with Visa  sometime around   XXXX   XXXX   XXXX    . As a result, they canceled my  USAA Mastercard and sent me a new USAA Visa credit card. My Mastercard had been enrolled in autopay for many years. When USAA sent me a new Visa card, none of the services associated with the old card transferred to the new card and there was no   correspondence from them to warn me of this. So I assumed that I was still enrolled in autopay. In   XXXX   XXXX   XXXX     I noticed a late fee on my bill, not something that I was accustomed to seeing with the autopay, so I contacted them. They told me that I was delinquent and that they had reported me to a credit agency. I thought this was inappropriate, so I began the dispute process with USAA on   XXXX   XXXX   XXXX    . My dispute was denied.  I still ca n't believe I was treated this way by USAA, who is usually very good to it 's customers. To this day, my credit score is affected negatively by their failure to communicate.
I have not been approved to the two companies and want it off my hard inquiry because I dont want it effecting my credit
The company, self identified as " XXXX XXXX '', has called and left messages in my voicemail for the following dates ( including several more ) : XX/XX/2018 at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours. The company continuously calls requesting to fix a debt owed to them by an unknown person. I have not ever conducted business with this company and they fail to acknowledge that. They may be looking to contact someone who gave them a wrong phone number. Please fix this.
I have complained about CHASE bank many times, with no avail. My realtor and I have submitted XXXX all cash others, and they have declined all of them. Even the most recent one. 
I have had it, my doctor wants to put me on XXXX, and other XXXX, I do n't want to take these drugs as I here that they make people XXXX.. Please call CHASE bank for me and tell them, that they can have the house. All that I request is a {$25000.00}. relocation allowance, and I 'll leave, it has been over 3 years, I ca n't take this anymore.
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
In 2009 XXXX XXXX for imposed forclosur on my house, They deneighed me the HAMP program saying I did not qualify. They sent letters of a offer of a loan at a unmanageable amount and proceeded to for close. I made check by phone the last whole year and a half. They would post payment up to XXXX months time and immediately hit my credit .Six months ago I pulled my report and it showed only XXXX XXXX day and XXXX XXXX day on both XXXX XXXX and XXXX. I filled a complaint to show loan was paid and on time. They XXXX XXXX Responded by adding XXXX - 90 day latest to my credit .I feel taking my house wrongfully is not enough ( XXXX XXXX ) of a hardship but they have to add the Credit Insult to financial InjuryInjury .XXXX XXXX
I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
I received a letter dated XXXX/XXXX/15 from MRS BPO, L.L.C located at 1930 XXXX XXXX XXXX XXXX, NJ XXXX. Stating that they are collecting on be half of XXXX XXXX XXXX in the amount of {$100.00}. And if I did not pay w/in 30 days the info would be place on my credit report. Indeed I did own XXXX XXXX XXXX earlier last year for a Modem, which I returned later and when I spoke with time warned I was told by their representative that my account was at a {$0.00} balance after receiving the modem. And the negative info was removed from my credit report. 

Upon receipt of this collection notice I call time warner @ XXXX and I spoke with a gentleman by the name of XXXX, regarding account ending in XXXX, who also states that my account is at a {$0.00}. I advised him of MRS attempting to collect {$100.00} on behalf of XXXX. I request for something in wring and per XXXX, at XXXX, I should receive a letter within 4-5 business days as proof that I do not owe XXXX XXXX any Money.
Employment information is not up to date. I have working for the XXXX XXXX XXXX XXXX XXXX XXXX and it not reflected in my credit report.
Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.
Experian will not investigate inaccurate personal information or inaccurate accounts on my file nor provide me proof per FCRA of how they are verifying inaccurate information on my credit file. Simply telling me its verified is not sufficient per FCRA laws.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They were subject to a data breach in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.  They have put myself and millions of others at risk of identity theft/fraud. They are further attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. It is further unreasonable that they have not directly notified anyone affected by this incident, nor disclosed the breach in a timely manner.
I was late paying my mortgage payment for  XXXX  of  XXXX  and  XXXX  of  XXXX  due to some financial difficulties ( my regular mortgage payment is  XXXX  ). However, on  XXXX / XXXX / XXXX  I started making my regular mortgage payment and adding additional monies in trying to catch up with back money owed : On  XXXX / XXXX / XXXX  I paid {$2000.00}, on  XXXX / XXXX / XXXX  I paid {$2000.00} ; then on  XXXX / XXXX / XXXX , while getting ready to make my payment, I noticed that my mortgage institution  ( Santander Bank ) is   charging me  XXXX  (  XXXX  ) additional fees of {$14.00} each ( {$28.00} total ) monthly for what they refer to as a " Collection Inspection Fee ''. That 's on top of the late charge fee of {$64.00} accessed every month until I finish paying money owed.   I submitted another payment that day for {$2900.00}. Still theyre charging me  XXXX  (  XXXX   )  late charge fees on my  XXXX  statement and left {$1700.00} monies unapplied to my balanced owed. How can that be if my monthly payment is {$1600.00}? Now, I suspect that theyll charge me another {$64.00} late payment fee on my  XXXX  statement for monies that Ive paid and wasnt applied to my balanced owed.   On  XXXX   XXXX , collections department at  XXXX  called me to ask me when I was going to send them more money ; my {$2900.00} check had already cleared on  XXXX   XXXX .   I informed the caller that I had already sent a check for {$2900.00} and proceeded to complain about the  XXXX   (   XXXX   )  {$14.00} charges on my statement. He tells me that every month they send a person out  to drive by  my residence to inspect the property and they will continue to apply those  XXXX  charges monthly. I asked him not to call me again and hung up the call.   I thought about calling the bank directly and complain about the charges but I suspect that theyre going to give me the run around again, so Ive decided to file this complain in hopes that someone will help me stop Santander Bank from these overcharges to my account.
On XXXX/XXXX/XXXX I went into XXXX XXXX of XXXX XXXX in the intention of buying a car. I bought a XXXX XXXX XXXX, signed all the appropriate papers needed to complete the process. I signed the contract, left and was told on XXXX/XXXX/XXXX that I had to call XXXX and clear my fraud alert. I have a fraud alert because I am going through identity theft. I called XXXX the next day and was told by XXXX to go online and continue the process there. I did as I was told but it was not fast enough for XXXX XXXX, which to my understanding XXXX was not able to get funding for the contract. They kept calling demanding, pressuring and threatening me to taking my car if I did n't do my part. I stated that it took 5-7 business days for that process to go through. I was surprised that they let me go with a new car without doing the required process for approval. 
After verbally being told I was going to get the car taken away, I had had it with the company. On XXXX/XXXX/XXXX I told XXXX XXXX that I wanted nothing to do with the company. I told them that I was going to return the car and wanted an unwinding paper stating in the documentation about everything that had happened. The company waited until XXXX/XXXX/XXXX to comply with my demands. They still tried to have me keep the contract but I wished to have nothing to do with them. As of XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX took full responsibility in the issue and stated that they were going to unwind the deal.
XXXX XXXX XXXX XXXX Misapplied my PRINCIPAL Payment to Interest. The Payment was labeled on the check and the Invoice as Principal, but it was applied to Interest. I contacted the bank, but they ask to leave a message ( 4 ) but no one ever returns my call. I filled a complaint with the XXXX XXXX CASE # : XXXX, but the complaint was ignored XX/XX/XXXX Reminder of Dispute to Business XX/XX/XXXX Consumer - Have You Heard From the Company XX/XX/XXXX No response to first notice to business XX/XX/XXXX Notify Business of Dispute
Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.