WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I applied for a home equity loan with key Bank for the amount of XXXX. I built the home in XX/XX/XXXX and with the use of my personal credit cards I bought items needed to finish the home. I applied for the equity loan with the option of paying off the balances of all credit card debt. Off. Key Bank was paying the credit card debt directly form the loan. The home was appraised at XXXX I have a XXXX dollar montage on the home. This low mortgage and the value of the home gives me the equity needed to pay off the credit cards, finish decks, sidewalks etc. I have NO debt other than my mortgage / which is XXXX a month. Taxes are XXXX per year, land and school. My income is XXXX per year. without credit card debt, i have the necessary income to live very comfortable financially. In XXXX, key Bank came back to me with an offer of XXXX. I rejected the offer as it was only paying off credit cards, not giving me enough to finish the touches around the house. My credit score at that time was XXXX. In XXXX, SOMEHOW.. A mistake was made to the credit agency XXXX. Key Bank reported that I had been late on a mortgage payment! This never happened. I called the mortgage company XXXX, told them of the situation they said, ( usalliance NEVER reported a late payment. That I have never been late ) I called XXXX they said, ( they did not receive a late report either. ) finally a Letter was Faxed to Key Bank stating that this was an Error with XXXX and was rectified..my credit score was at a XXXX standing on XX/XX/XXXX. Key Bank sends me a denial of loan based on.. 

Balances to high on all open accounts ( supposed to be paid off with loan. ON THE APPLICATION! ) Proportion of balances of loan amounts to high. 
Number of inquiries within XXXX months. ( only with Key Bank! ) Length of time since recent account open. 
How is this possible? You tell me how I was approved for XXXX in XXXX XXXX, if any of this is true. 
Then an ERROR WAS MADE ON MY CREDIT REPORT?! 
I am XXXX years young and BELIEVE that this is a clear judgement of AGE discrimination! I will wait for your response before consulting my attorneys. 
XXXX
On XX/XX/2018 I submitted a complaint to Credit Bureau Experian/XXXX and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how Experian/XXXX and XXXX  Validated the accuracy of this negative collection account. This was a paid on time account and closed. Experian/XXXX  and XXXX has failed to provide me proof documentation from XXXX. The 30 days exceeded.
I have contacted Bank of America and made them aware that they opened an XXXX XXXX credit card in my name fraudulently, but they have done nothing about it. I have sent them a fraud package and they have ignored it. They continue to threaten me that if I do n't pay the balance on the account that they allowed to be opened in my name fraudulently that they would ruin my credit and send the account to a collector. I was the victim of identity theft and accounts were opened in my name using my correct personal information that was obtained as a result of the identity theft. When I have told this to the representatives at Bank of America they have told me that they did not care and that I was still required the fraudulent account. They are violating my rights, defaming my character and harassing me relentlessly. I did not open this or any other account with Bank of America, but they continue to verbally abuse me and threaten me.
I have also disputed this with XXXX and the representative that I spoke to at XXXX cussed me out and called me a liar and told me that I was a XXXX XXXX XXXX XXXX I am tired of all of this abuse and defamation of my character and I want this stopped immediately, both of these companies are acting like vigilantes about a credit card they allowed to be opened fraudulently Partial Account Number XXXXXXXX
I went to  one dealership and asked them to talk to one ban k about doing a car loan. This dealership and tried to get deal approved with other banks which I did not authorize them to do.        
Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue. My issue is again ; MY COMPLAINT XXXX XXXX XXXX OpenedXX/XX/XXXX {$170.00} Original creditor : XXXX XXXX XXXX I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX <P/>Please reference attached documents again. Case # XXXX CLOSED, BUT NOT SATISFIED Case # XXXX CLOSED, BUT NOT SATISFIED Confirmation # XXXX This matter has been cleared and satisfied with my XXXX  Credit Report but not on my EQUIFAX Credit Report. Please assist, or force assistance in cleaning up my Equifax Credit Report regarding this FALSE information.
In XX/XX/2017 Oceanside changed it's processor. I sent a manual payment using their software for XX/XX/2017 and attempted to set the the ACH transaction for further payments. 
As far as I could determine, the payment was set up correctly. It appears that it was not for XX/XX/2017. 
Unfortunately, I was not able to monitor this failure to process a payment since my wife had undergone a second XXXX to XXXX  a XXXX  XXXX   XXXX  in the space of three weeks. Additionally, we were still dealing with the aftermath of a XXXX  XXXX of a XXXX  XXXX  earlier in the year, with wound XXXX complications. 
Also, I had XXXX with XXXX to respond to both Hurricanes Irma and Maria spending over 37 days in the field. With my wife recovering from surgeries and my being gone it was difficult to keep any control over what was going on. 
I realized that an issue occurred reviewing XX/XX/XXXX banking transactions. I had a conversation with Oceanside and set up a workout program to make things whole. 
Unfortunately, not trusting the software that Oceanside had set up, I sent manual payments through my bank. It appears that these payments got lost at Oceanside and did not post appropriately. 
Thus Oceanside is marking these as delinquent even though payments were made. Multiple attempts to contact them have not resulted in any resolution of this.
I have XXXX charges of XXXX from Gold Key credit XXXX medical bills. 

I opted to pay off these stated debts as this debt collector has been submitting these debts upwards of 5-7 years old as new debt month to month causing ongoing detriment for years which far exceeds the value of the debt. 

IN contacting Gold Key, THEY agreed that paying off the XXXX debts they would fully remove the debt from my credit. 

According to my bank statement, this was paid in full on XX/XX/2016 in the total amount, {$130.00}. 
PURCHASE AUTHORIZED ON XX/XX/XXXX GOLD KEY CREDIT ( XXXX XXXX FL XXXX CARD XXXX To date, the promise from Gold Key to remove this debt has not been fulfilled as it still shows on all credit reporting agencies with mis-leading, false or inaccurate information.
Old Ambulance bill from XXXX that was never ordered. 
Disputed years ago and was taken off credit report. 
Got a strange call : Is this my name. Responded who is this? Hung up. 
XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form.
CMRE Recorded my confidential communications without my permission. It has been over 30 days and they have not responded to my authorized Represenative. No lawsuits have been filed yet.
I received a Pre-Paid Citi Card ( debit XXXX ) due to a large purchase of a XXXX dishwasher. 

The card was a {$200.00} pre-paid card. I assumed that I could only charge {$200.00} and that would deplete the card to zero. Any additional amount that takes me beyond the {$200.00} limit should be declined. 

However, that is not the case apparently. These pre-paid cards are being sold as a " pre-paid '' card, when in fact you can go negative on your balance. Essentially charging more than the limit you are given. Citi-Prepaid says that this happens if there is a charge pending and another charge hits while the other XXXX is pending. Irrelevant in my opinion. This is fraudulent and should NOT be allowed to happen. 

I had to speak to XXXX different people with XXXX different companies to try to resolve this - Citi Prepaid Customer Support and the " corporate office '' that they transferred me to. I was transferred back and forth, disconnected 3 times, and spoke with XXXX different supervisors. No one could resolve my issue. I have a NEGATIVE balance on my card of {$16.00}. Consumers should be protected from this type of activity. 

This is actually a scam being run my credit card companies and should be stopped.
I just received my letter, stating that my fraud issue could not be resolved due to payments were made while the card was in use. And it's common use for whomever to make payments until the balance was high enough that they no longer wanted to make payments. While waiting for a resolution, I received a email stating I had purchased a pillow in which I didn't. Again this happened in my account. So I reached out and chatted with someone so I could have proof of the conversation, that someone in fact was using my account. The only thing is now, it was with a different credit card, and being sent to another address I do no reside at. I have attached that conversation by email in this complaint for proof. I was even told it was canceled and I had nothing to worry about. Within a few days later, I received another email saying the item was being shipped. And I have attached that email as well. I just don't understand how this issue can never be resolved all because someone made payments, when Im stuck still making payments on items I did not purchase. Of course someone is going to pay, when it will affect their credit if they do not pay. That's just common sense, especially when you have been fighting with the company. Then I go to make a payment today, and see more than one card with different balances. How is that even possible? I have attached that proof as well. This is a entire mess, going on. I would like for the request to go higher than just the resolutions specialist.
In XXXX shellpoint mortgage ( lender ) begins to collect escrow funds. Throughout the next year and half as borrower makes payments, lender fails to credit account and instead places funds in unapplied account. Borrower becomes up to six months behind on mortgage payments as per Shellpoints records. 
In XXXX of XXXX we were granted a loan modification by shellpoint mortgage ( lender ). The accounting that the lender used to figure that loan mod was inaccurate. As part of the loan mod the lender was supposed to bring payments in arrears, add these funds to the principal balance so that there are no monies to be in arrears on the Modification effective date ( XXXX/XXXX/XXXX ). But Shellpoint added {$17000.00} to loan balance but failed to bring loan current. Borrower contends he is only XXXX payment behind on modification effective date where as lender has borrower XXXX payments in arrears. Lender never brings loan current as required by loan mod. As borrower continues to make monthly payments lender fails to properly credit account. As an example, borrower paid three times for the XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX borrower paid {$7100.00} for due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX borrower paid {$6000.00} for due date of XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX borrower paid {$6200.00} for same due date of XXXX/XXXX/XXXX as per Shellpoints own records. 
On XXXX XXXX, XXXX lender offers to amend loan mod but still has incorrect figures. In XXXX/XXXX/XXXX borrower signs notarized copy of new amended loan modification. Currently, Shellpoint is returning all payments made by borrower and does not return phione calls and has locked borrower out of online account activity. But borrower continues to make each monthly payment as per loan modification.
I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.
I have needed to take out over {$150000.00} in student loans to complete my graduate education XXXX. I now work XXXX and am not making ends meet because of the high cost of my loans. I fear I will never be able to afford a family. All of my loans, including government loans, are between 6 % and 8.5 %. How can banks charge such high rates when a person could buy a {$50000.00} car for almost no interest? I imagine they are " following the rules '', but what kind of society allows institutions to make money off the backs of young people who contribute significantly to the health of its population? Is there anything to be done? XXXX XXXX XXXX, PA
i had call from impersonating irs and XXXX state police ( i found out the later ). XX/XX/XXXX when i return that call they told me i own {$3500.00} back taxesXX/XX/XXXX, it did not make sense. they told me send me latter XXXX, i never got it and told them. but i know mail does not come to me in the past. but if i hang up, warrant will be issue in XXXX. will have criminal records, even i am innocent it will cost me {$80000.00} later to fight, and need criminal lawyer. so they told me you have to send money asap by moneygram. so i sent {$1700.00} + {$35.00} ( fees ). Once they want me to send another half right away, i went to police and hand my phone to police officer then i learn it was scam. by the time i reach out to moneygram it was too late money has been taken away. if they really want to i know they can track it down, but the do not seem to care much. i am sure there is camera and can track it down who took the money but do not see any effort at all. ALSO moneygram does not do anything at all incidents like this or say you should never send money to government this way or mentioning scam like this which seems to be common, accepting money in limited info, example of extortions. so they do fail to explain the rules i think they are responsible as well for my {$1700.00} + {$35.00} ( fees ). they are part of scam. However credit card, XXXX are more strict. but this Moneygram ... all the numbers on receipts are not helpful. it is scary business like this exists! i do not want anyone to go through this. Please please help, thank you very much for your help.
Ok sent a request certified mail asking for method of verification on 3 accounts. I also challenged the XXXX XXXX compliance. I received one letter stating that they will not investigate the account again and another paper with a incorrect update report.They have not provided me with the proper documentation I asked for and as a consumer experian is taking away my rights to challenge these incorrect accounts.
XXXX  has been non-compliant with removing the unverified account BB & T Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time
On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt. 
Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.
-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for TRANSUNION - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from TRANSUNION since the Dispute response for XX/XX/2018
Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all.
I had a credit card with American Express for 6 to 8 months. Since I was working on a project for my business at some point and time I would lend money from the credit card to a client until they could repay me. American Express called inquiring about my business dealings, I supplied the necessary documentation they needed to satisfy their inquiry. Then randomly months later, I received an email stating they closed my account amd I owe the full amount, a little in excess of {$7000.00}. They did not give me a reason. Then I paid a portion right away to show good faith that I am working with them to pay off what I owe. I have been in communication with them about payments, so their next action was completely uncalled for. I received a text message from my brother that American Express had reached out to him but addressed to me in the voicemail to me telling me to contact them in regards to my account. That is none of his business, nor anyone else, and it forced me to respond to him about my own business in which I was very unhappy about. When I called American Express complaining they said it was the alternate number to comtact me - which is completely false I never provided my brother 's phone number for them to contact in regards to my account. I told them that I believe that is unfair and poor business practices especially since I have been in communication and working with them in good faith on my part. Not to mention they call me 3 times a day which is a huge disruption to my day. I would understand their situation more so if I was completely ignoring or throwing in the towel on what I owe however that is not the case and I believe I have been treated very unfairly in the situation given I have not been given any reasons why my account was closed from the beginning.