WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I needed another copy of my Social Security Card. I am attaching a file I wrote previously. I am so angry I do n't believe I can type it all again. When I realized they wanted my drivers license, insurance card, etc actually mailed in AFTER I HAD PAID THEM ... no way was I sending them off to someone. I called and CANCELED MY ORDER. XXXX with XXXX said I could only get half back! That is why I called Netspend to cancel my card and file a dispute as they already had my money! The Netspend Customer Rep REFUSED to cancel but said he would file a dispute ( that he DID NOT FILE! ) but he said he " WANTED TO PUT MY MONEY BACK TO SEE IF THEY WOULD TAKE IT AGAIN!! '' I told him I wanted my card CANCELLED!!! He still refused! I am trying to live on {$730.00} a month which is impossible!!!! He did not follow company guidelines for such things. Each time they sent me an email and said if I wanted my documents in reference to this issue to message them back. I get another email repeating the same thing. Today I got a letter which I will also attach! I am now unable to access my account! The past three times I have tried to log-in, my password does n't work. I reset the password and get into my account and I am literally KNOCKED OUT of it!! Try again and my password does n't work again!!! This is more than ridiculous!!! I 'm madder than anyone can imagine!!! My SSN was stolen originally by my ex-husband. I made a huge, stupid mistake because I have a difficult time going anywhere and no, I am totally alone and do NOT have anyone to help me. More criminals have my SOCIAL SECURITY NUMBER AND OTHER INFORMATION, THE ENTIRE {$37.00}, OF WHICH THEY NEVER REFUNDED HALF OF AS THEY CLAIMED, NOR DID I EVER RECEIVE ANYTHING! As for the one email I was able to take pictures of, Netspend claims their rep verified the purchase with the company??? If it was n't a scam then, where in the XXXX is at least 1/2 of my money? Or, where is my SS Card? Why am I bring locked out and knocked out of my account since I sent them my reply to their email? I do n't have enough time to transfer my Direct Deposit to another card! The way they are behaving suddenly, and it is NOT a coincidence, no way in XXXX, I 'm afraid they will keep my Direct Deposit. I have never seen anything like this before but nothing surprises me anymore either.
A loan modification packet has been submitted for review but Ocwen has failed to respond. The lender has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). The lender has failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
I have called GSMR multiple times over the last year regarding my loan payments. I have been enrolled in autopay for a number of years and noticed in XX/XX/XXXX my payments stopped being collected for no apparent reason. I was informed by GSMR that this was because I entered a graduate program and the loans were in deferment. I requested that my loans not be placed in deferment, and that I wished to continue making payments on my account. I was informed by a customer service representative that I would occasionally miss one month, as their process was automatic, but there were notes made on my account and the autopay would pick up the following month. Whereas I didnt fully approve of this explanation, I went with it as I didnt feel like fighting. I notice today that apparently they have not pulled a payment since XX/XX/XXXX. I feel this is an unethical business practice, as they cancel my autopay, with no notice to me, and continue to rack up interest on a loan that I have been attempting to pay. This organization makes it so difficult to repay your loan in hopes that they can continue to collect interest from you.
XXXX XXXX XXXX XXXX [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ XXXX XXXX XXXX XXXX ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX
Since the XXXX breach, I am putting a Security Freeze on each of the three credit reporting services. I have not been able to get through the process to set up a Security Freeze on EXPERIAN. The web site takes all the information and then says it ca n't be done on line. I 'm directed to assemble and provide a list of information to the Experian web site at experian.com/XXXX. The web site will not accept this request since I do n't have a report number. I 've obtained a phone number for establishing a Security Freeze : XXXX. But this line is always either busy or it goes dead. Clearly Experian only wants to sell a service with a monthly charge, not set up a cheap Security Freeze. I am concerned about Identity Theft from the breach.
I have a prepaid Rushcard that I still cant use at this time. The company states that the problem is fixed, but I am still getting error messages when I try to transfer money.
On Friday XX/XX/XXXX, at XXXX, I received an email with a copy of a receipt for a purchase from XXXX for 2 tickets in the amount of {$460.00}. I had never created an account with XXXX, I did NOT purchase any tickets through XXXX and I did NOT authorize anyone else to make a purchase using my credit card. I immediately changed the password on the email account, called the XXXX customer service number and informaed them a fraudulent purchase had been made and using my information. The told me too bad, not their problem I would have to call the bank. I then called XXXX XXXX fraud department and informed them what had occurred. They said I would have to wait and call back after the charge was 'posted ' to my account. At that time I cancelled that card and was to receive a replacement. On Monday XX/XX/XXXX, I called XXXX  once more and opened a fraud dispute. Almost Immediately, I started receiving notifications of my email account being subscribed to well over 100 subscriptions in the XXXX  for  miscellaneous web sites. I have called XXXX customer service and requested the IP addrress and phone number associated with the original purchase and they refuse to give the information. XXXX would not cancel the order and sent an email at XXXX on XX/XX/XXXX indicating the tickets were available for download. I DID NOT DOWNLOAD any tickets, I DID NOT ORDER ANY TICKETS. XXXX 'investigated ' the fraud complaint and sent a letter dated XX/XX/XXXX indicating they had closed the investigation and found the dispute NOT in my favor and placed the charges on my account once more. XXXX has NEVER contacted me about this complaint and the investigation. I have attempted to contact the phone number to dispute this resolution and have been on the initial greeting 'waiting for the next associate ' for 3 days, over an hour each day with NOONE ever picking up the line. I called the extension indicated in the letter and it goes straight to voice mail. I have left my phone number and reason each time with NO response.
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. TRANSUNION - XXXX XXXX - XXXX XXXX - XXXX
I obtained a mortgage through XXXX XXXX XXXX  approxiamately 12 years ago. Within one year of purchasing the property, XXXX sold my mortgage to one of their own substitute banking institutions PHH Mortgage. Who are associated with XXXX. PHH Mortgage company has contacted me several times telling me that they has not received my house payment after I had mailed, by US postal service, in ample time for them. In this last case, I was going to be hospitalized for a XXXX in XX/XX/XXXX, therefore I sent my house payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PHH Mortgage company stating I was two months behind on my mortgage and I needed to allow them access to my banking account so they could just take the money out themselves. I refused and stated I would E-bill the money to them overnight from a XXXX XXXX account and cancel the check that I sent. I also complained and told them I have never been late, nor missed, any previous mortgage payments. When rechecking my payment data, they did agree I had not missed any payments and only needed to make a payment that I knew I had placed in the mail 22 days prior. Then the next month, I recieved a letter from PHH Mortgage stating I needed to pay a cancel check fee for the house payment I sent. They received my check in the mail the very next day and wanted to charge me a fee for sending them a canceled check. Whom both XXXX and PHH mortgage companies would benefit from by XXXX canceling a check fee and PHH charging a receiving canceled check fee. Though I called both institutions and got all the fee 's withdrawned, this is an on-going banking practise used by these institutions to charge people fee 's that they could not otherwise obtain and blaming it on the US postal service. It has occurred on several occasions and I have complained to both institutions about it several times. I have nearly a perfect credit rating and keep hand written records of all outgoing bills each month. I am moved to complain about this banking practice, not for myself, I have alleviated the situation by E-billing all mortgage payments to PHH Mortgage from a XXXX account and keep confirmation numbers now. However, if this is a common practice for these institutions, then they are pulling this same scam on others as well. It does not take 22 days for US postal services to deliver mail and in every instance PHH has tried to charge me fee 's, my check would show up in their bank the very next day. They had two results in mind, One was to attempt false fee charging and Two was to force me into giving them checking account access.
BMO Harris bank sent an offer to my house ... open an account with {$10000.00} for 90 days and receive {$200.00} bonus. I opened an account in XXXX. I went to cash out the acct a little over 90 days later and was told payment would be made 120 days after opening the account. I think 90 days MEANS 90 days NOT 120.
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my XXXX   report causing my credit score to drop over 28 points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my XXXX report which has negatively impacted my report
My XXXX XXXX auto loan is in good standing, but I 'm not receiving any credit score increase for making on-time payments
I 've been trying to work with Nationstar for months now. I submitted a claim abouta month and half ago due to after several calls and promises they could not orwould not sign a form needed to change my property from a titled property to a realdeeded property after I had the work done to do so. Since I could get the formsigned I went to bank and borrowed the money to pay the Mortgage off on XXXX/XXXX/15, then I would n't need the form signed a lien holder anymore. Well now it 's XX/XX/XXXX15and they have yet to send a release of lien to the county tax office in order for thelien to be removed so I could have my property changed from titled to real deededproperty. I 'm been advised that they only had 30 days to do this. Their customerservice told me that and the director of register of deeds told me that. I will bechecking with an attorney I guess, not sure what else I can do. This process allstarted back XXXX/XXXX/2015 and I ca n't seem to get any results out of Nationstar whom Ialways paid on time and would like to have better results from them. I have calledthem at least 15 times and spoke with a couple different supervisors and still can'tget what I need done, but yet they have been paid in full since XXXX/XXXX/2015. They havetold me two to three different dates as to when they processed and mailed therelease of lien, but yet Register of Deeds has not received it. I even gave them tocorrect address for the register of deeds. PLEASE help with this if you can. Wouldbe nice if they overnighted the release as they stated they would when I spoke tothem on XXXX/XXXX/2015 in order to have it done in the 30 days ... DID N'T HAPPEN. 
Thank you for any help, XXXX
In XXXX, 2015 while at work, I received emails and phone call from M & TBank stating there was suspicious activity on my account. When talking to the young lady from the bank she said a purchase was being made at XXXX in my area for {$400.00}, I said I am at work and I initially thought one of my clients stole my card from me. I immediately left work to try to get to the bank before closing, and I found that my debit card was actually in my car arm rest where I left it a few days prior. I asked the bank officer how could someone make purchases with my card when it was in my car. He said that people are able to steal your identity and scan your card to make duplicate cards. Because of fear of more frauduelnt activity, I looked at all of my credit cards and bank statements and found that no other activity was observed. I also filed a police report. The money was credited to my accoung within 10 business days, however as of XXXX XXXX, 2015 the money has been taken from me again and now there is overdraft fees accruing on the account. I have talked to several representatives and no one has offered any real resolve.
I have made payments to the bank ( KeyBank ) servicer XXXX XXXX XXXX ( XXXX ) and they are failing to properly credit my account ie. applying payments to federal loans only and not applying to my private loans. As a result they are incorrectly charging penalties, interest and ultimately reporting false information regarding late payments to the credit bureaus resulting in an unjustified low credit score when since XX/XX/2018 I have made multiple payments to them.

I have my bank statements and the email confirmations from their systems regarding payments. I want them to review all of the payments made in XX/XX/2018 to determine where my money is going and to find out if they are properly crediting my account. They also need to remove the late payments and interest for all payments from XX/XX/2018 toXX/XX/2018.

Further, I have mentioned to them that I am now unemployed as of XX/XX/2018and as of this writing they have failed to immediately provide me with proper documents ( why must they mail blank forms in 10 days vs. email?! ) in order to assist me with the restructuring of repayment of my private loans so that there is no default/further interest rate charges. They were able to assist with Federal loan deferment over the phone! They cause unnecessary delays when they can fax or email blank forms to me directly ... its ridiculous. Further, the right hand is not talking to the left. The bank contracts with its servicer to collect payments from me, yet they can not speak to them directly to find out if payments have been made or credited. I have to be subjected to unnecessary harassment by the collections department when my documentation clearly shows I am making multiple payments ... requiring me on a conference call is a clear delay tactic as they should be able to talk directly to the company they hire to collect funds from me.
I called BMW Financial Services today, XX/XX/XXXX, in regard to payment owed on a totaled vehicle, a XXXX XXXX XXXX XXXX. The rep I spoke with could not discuss account due to a cease and desist on account, he requested I send an email to XXXXXXXXXXXX, which I did today. I did not receive a reply as of yet. The purpose of the call was to see if a settlement amount is available, there was an XXXX % settlement offer made prior, however, I could not accept it at the time as I was waiting for a legal settlement. The attorney handling the case against XXXX, the insurance company who paid off vehicle, called today stating settlement check would be sent soon. He was able to recover amount owed on loan as part of settlement. I called BMWF to accept a settlement amount of what is owed, the rep said to email the address mentioned earlier but did not hear back. Please advise BMWF I will accept settlement offer of XXXX % as previously offered. I will call in to make payment once offer is verified.
We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now " interest free. ''
XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have notified trans union of this error several times, and they refuse to update my credit report to report accurate data. Instead they send a letter to explain what inquiries are. I am full aware of what inquiries are, I am also aware of what I did and did not authorize which is why I reached out to Transunion to rectify this issue The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX  -XX/XX/XXXX 10. XXXX XXXX XXXXXX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX -XX/XX/XXXX 13. XXXX XXXXXX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX16. XXXX XXXX -XX/XX/XXXX17. XXXX  - XX/XX/XXXX 18. XXXX -XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Respectfully, XXXX XXXX
Starting on XX/XX/2018 I tried to place a freeze on my credit reporting with all four of the credit agencies. I was successful with using on-line dialogues for XXXX, XXXX, and XXXX, but Equifax gave me an error saying that they could not complete my request at that time and that I should try again later. I did that several times, and then I called their Customer Service number and was told that there was a software upgrade in progress and to try back later. I did that, but got the same message. I have tried using their web-site frequently since then and always get the same message. I then used an on-line chat application to speak to a technical support person who gave me another phone number that he said would get me help. I tried that number, but the option menu did not include anything about credit freezes or problems with the use of the web-site. I tried again today, and tried to log into the account that I had set up with them. I was unable to log in successfully, so then I requested to change my password ( assuming that I had forgotten it ). I was informed that a message would be sent to my e-mail account with instructions on how to change me password. Nothing has come back from them yet. I am tired of hassling with them. So I am making this complaint.
Deceptive Practices regarding receiving my direct deposit payroll on my prepaid debit cards My direct deposit 's always post to my accounts every two weeks on a Friday per my alerts from netspend. I have a copy of my job payroll disbursement schedule. My pay was released on XX/XX/XXXX, everyone in my office received their pay on Saturday, XX/XX/XXXX.

Netspend is supposed to give consumers immediate access to their money, ppayroll direct deposit 's once it enter into your accounts. 
NetSpend Corporation promised consumers immediate access to their funds with no holds, no waiting, representations deceptive. 

Immediate access? Not so fast, alleges the FTC. NetSpends ads were replete with claims like No Waiting! and Use your card immediately.

The upshot? People who loaded funds onto NetSpend cards often had to wait and wait and wait to access their own hard-earned money. The FTC says those delays resulted in severe financial hardship to consumers, including evictions, repossessed cars, and late fees on bills. 

NetSpends business practices were at odds with its marketing claims. cards, failed to live up to that promise. Netspend use XXXX to deposit funds into customers accounts. I 've called Netspend 5 times already, XX/XX/XXXX. 

I attached my employer payroll disbursement schedule.
I have my home loan through the Bank of America. The bank had been reviewing my account for several months for a workout plan. During this time, Bank of America continued to give me the run around and made negative reports on my credit report while they had my loan under mortgage assistance review. I have obtained mortgage assistance, but my credit is severely damaged because of the negative reporting. I would like for the bank to at least show no report or remove the negative marks during their time of review. They would not accept partial payments so therefore I could not make any payments when my account fell behind. I still have my home and am making payments on time. This can be viewed on my credit report.
XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.
My student loan is now paid off. HOWEVER, I believe Fed Loan owes me a significant amount of money because 1. I overpaid and 2. because my loan interest was miscalculated. I have compared their records of my payments made with the actual receipt of payments I made. There is a discrepancy of XXXX. I wrote to them in XXXX of this year advising them of this situation and asked for a review, explanation or confirmation of my receipted payments which are not shown on their records. I never received an answer. I simply wish for this situation to be corrected and receive a refund totaling the payments I made but were never credited to my account. I have all the receipts for these payments. If there is a reason why these payments were not credited to my account, I would like an explanation. Thank you so much for your assistance in this matter. I am XXXX and a senior citizen living on a small fixed income. A refund of the overpaid amount on this loan would be of enormous help to me. P.S. At the time my loan was made and for several years thereafter I was a service member 's Spouse. 
Sincerely, XXXX XXXX