WillisBack/dataset-financial-user-claim huggingface dataset:
FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN. 
THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.
I received my credit report from XXXX  this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then. 
From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX  this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Cash Central  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and caXXXX warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today
TransUnion does not allow you to put a freeze on your credit through their web site without signing up for an account. Although the account is free, it requires acceptance of a " terms of service '' agreement with a bunch of nasty stipulations.
I was declined for an auto loan by SunTrust and XXXX XXXX and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
My balance on my car loan with XXXX XXXX is incorrect. He supposed to be {$6600.00} and the amount reported is higher. I want Experian to reported the correct amount due on my car loan so my ratio is not so high.
This is a serious problem for me and the second time I had a dispute regarding unauthorized use of my credit repot from XXXX. Last year someone opened a credit card in my name from XXXX XXXX. I am working very diligently to repaid my credit after a bankruptcy in XX/XX/XXXX. On XX/XX/XXXX XXXX did a hard inquiry on Experian. I do not know if its on XXXX XXXX or XXXX. I contacted XXXX and they do not have any info regarding an inquiry. Experian will not look into it stating they can not remove information. So that 's it?? these reporting companies can make their own rules and add info to your reports that affect your life. I have attached correspondence.
{$850.00} was transferred from my husbands account to mine on the XXXX, but it has never arrived in my account with Simple Bank ( backed by BBVA Compass ). I 've been on the phone with them many times and keep getting push back. I have been on XXXX conference calls with Simple and the bank the money was transferred from with no resolution. We have sent money this way many times with no issue. The money is out of my Husband 's account, we gave Simple the ref # and they said they still ca n't so anything with it. We have been waiting from a call from Simple 's dispute team for over a week.
This was a case of identity fraud. Someone was using a stolen checkbook and my name for various things during this period. The person/persons were prosecuted. XXXX of them were caught at a bank cashing my checks, along with others. I did not file identity theft because I did not know until later and was too busy fixing my own life.
XXXX is reporting a charge of {$120.00} on my Equifax credit report showing open still.They have not reported this charge since XX/XX/2016 and they informed me that they would close the account but it still shows open on my Equifax report.Their address is mentioned below : XXXX, NY XXXX Telephone No : XXXX
This complaint is against Chase Bank Credit Card. I always pay my balance in full ; last statement was for {$1100.00} ; I paid {$1100.00} because there was an outstanding credit that had not been posted. I was NOT TOLD that if that credit was disputed by the vendor, I would be charged an interest on the full amount of the statement. I call this FRAUD AND ABUSE OF CONSUMER CONFIDENCE.
When my Stafford subsidized loan was serviced with just XXXX, my interest rate was 5.8 %. Since they were sued and split into XXXX companies, my same loan from Navient is listed as 6.8 %. I signed a promissory note back in college to a fixed interest rate and they changed it when the " new '' company took my loan over. I have screen shots to prove.
Ditech Financial LLC Was asked to provide the  ORIGINAL  signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.
Collections agency was giving the wrong information from the payday loan company about how have the transaction was issue. and the date was inaccurate there was no transaction issued on those dates. After sending bank statements of how transactions was issued and paid back through my bank account. XXXX investigated and sent the results back stating that this account have been deleted from my credit file. I 'm asking for the same results from the other credit bureaus XXXX and XXXX to delete this account that been giving the wrong dates and information to them. Account # XXXX. Asking XXXX to notify all credit Bureaus of this result immediately as XX/XX/2016.
Experian refuses to delete collection account, XXXX XXXX, and continues to report false information. 
This account is not mine. 
Experian needs to delete this account from my credit report and send XXXX XXXX a corrected copy of reported OR Experian must add my personal statement to my entire credit file as follows ; EXPERIAN IS REPORTING FALSE INFORMATION IN VIOLATION OF FEDERAL LAWS AND/OR REGULATIONS. 

An updated copy of my credit report that includes my personal statement must be sent to everyone that has obtained a copy of my credit report.
11 yrs ago. I purchased a house under XXXX XXXX bank. They offered me XXXX loan ( line of credit ). They did n't disclosed me the line of credit of 20 % loan is interest only locked in for 10 years. I had tried refince the loan several times but no avail. So I ended up paying interest only last 10 years by automatic withdraw from my bank Amount of XXXX of principle of XXXX. Since it was automatic withdraw from my account I was not able to pay additional lum sum pay toward my principle After 10 years the bank initiated me to offer refinance at 6.19 % 30years loan. My complaine is why I was not able to refince the loan during last 10 years and ended up paying half of the principle amount of loan and bank is now offering loan at the higher rate? 
Here is my calculations Principle loan : {$100000.00} Interest only last 10 years paid XXXX. 
Now 30 yrs loan At 6.19 % will End up paying {$230000.00} plus {$50000.00} already paid
I am fuming over this. I had a Dillards American Express for years from back when I worked there, they paid us on it. Anyway, unfortunately I kept a balance on it until XX/XX/XXXX when they closed my account over late payments. I paid it off after that and did n't worry about it, until I went to my credit report and saw they marked me as XXXX late payments and closed my account, hitting my credit score hard. I then went back though some of my statements in XX/XX/XXXX, and I saw they charged me : Mind you, my payment was due on the seventh of each month XX/XX/2016, {$25.00} late fee, when I paid on XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX I called them after I researched it and they said in 7-10 business days I 'd have a check for the {$95.00} total. I waited, nothing. I called last week, they said 1-2 more days, I waited, I called tonight ( I work XXXX ) and they said it was just getting to research since they 'could n't see the fees ' and that I should call them in a week. I contacted my credit agency and filed a change for the late fees, and it was resolved.
1-XXXX  XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX  on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.
unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.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
The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX
CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY ANY PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
On XX/XX/2018 I made a purchase of {$360.00} for some home flooring. The product was purchased from XXXX XXXX XXXX XXXX  ( on the credit card bill the charge appears under the name XXXX XXXX XXXX ) and I used my Bank of America credit card to make the transaction. The company ended up not having the product that I initially purchased so nothing was shipped to my home, therefore I cancelled the transaction/order with the company. The company would not reimburse me my funds and they advised me to call my credit card company to seek a reimbursement of the transaction. I called Bank of America credit card on XX/XX/18 to dispute the transaction. Bank of America informed me that they were going to investigate the situation and that I did not need to submit any documentation unless requested. They said that based on what occurred that they did not expect their to be problems with getting the transaction reimbursed. On XX/XX/18 I received a letter from Bank of America stating that I needed to submit supporting documentation for my claim by XX/XX/18 otherwise my dispute would be closed against me. Bank of Americas letter is datedXX/XX/18 and the post mark on the envelope for the letter is XX/XX/18. I did not receive the letter at my home until XX/XX/18 ( there was a long XXXX XXXX   weekend where the US mail did not operate ). It was impossible for me to respond to Bank of America because their request arrived at my home after their deadline. Immediately I spoke to Bank of America and informed them that their letter arrived late and I faxed them all of their requested documents and a copy of their envelope with the postmark of XX/XX/18. Bank of America sent me a letter stating that my dispute is closed because they did not receive the documentation on time. I called Bank of America again and they said they were not reopening the case because the documents did not arrive on time. I told them it was impossible for me to respond on time because their letter request arrived after their deadline. At this point Bank of America has refused to provide with further assistance and what they did in not providing me with sufficient time to respond to their request is truly and injustice and an abusive practice. I am attaching a copy of Bank of Americas letter, their post marked envelope, Bank of Americas billing statement, and a copy of the receipt from XXXX XXXX XXXX XXXX showing that they acknowledged that the transaction was cancelled and the product was never received by me. Thank you for your assistance.
TransUnion is using a deceptive sign-up form for their Credit Monitoring product. Consumers think they are filling out a form for a one-time credit report and credit score.  TransUnion attempts to hide from the consumer 's view that they will immediately be charged {$19.00}, and then charged this amount monthly thereafter. They do this by placing the details on the lower right-hand side of the web page. 

THIS SHOULD BE PROMINENTLY DISPLAYED IN THE CENTER TOP PART OF THE FORM! 

The second page of the form - where you enter your credit card number - has absolutely no mention of the pricing and recurring charges. There is a Service Agreement link in  small print at the bottom of that page. Otherwise, there is no confirmation through the rest of the sign-up process that you are signing up for a subscription service. 

The fact that they designed the form this way clearly demonstrates their intent to be deceptive.
I think Capital One 360 may have experienced a large security breach and is n't disclosing to customers and investors. Somebody altered information on my account, I quickly updated my credentials to prevent further activity. After pointing out the issue that I had resolved Capital One 360 froze my accounts without warning or authorization. They are refusing to immediately unfreeeze my accounts. They are claiming they ca n't transfer my funds to my new checking account. I will not have access to any money until sometime next week. 

A lot of customers are complaining about this same thing on social media, hold times for their security department are longer than what they normally should be according to Capital One 360. This believes that the breach of my account was not an isolated incident and stems from a more broad breach of Capital One 360 that they may be hiding from customers, investors, and regulators.
I deposited a postal money order for {$1000.00} on XXXX. Bank America has put a hold on this for 10 days. I have deposited money orders from the postal service before and they have never put a hold on it before. Now they are pulling money from my savings and charging overdraft fees when that money is there. I would like them to release my money so that I can pay my bills and refund the overdraft fees.
I have contacted these companies and the bureaus on several attempts an got no results. These accounts are reporting inaccurate on my credit. The accounts accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX department of education, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX
Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response of all XXXX credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. XXXX reports additional delays at removal, even though my first request for removal of the inaccurate information was 5 months ago ( in XXXX of this year ). Equifax refuses to update my information because my correct Drivers License does not match their incorrect records. XXXX has not responded, indicating their refusal to cooperate with FCRA. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests to all XXXX credit reporting bureaus to remove the inaccurate information. Given my small XXXX insurance income, these delays from the credit reporting bureaus pose undue hardship to me. Further, expenses to seek damages from the credit reporting bureaus in federal court would be punitive, posing additional undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.
I have spoken to Transuion about XXXX different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry :XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX
I received letters dated XX/XX/XXXX from Chase Bank indicating that they have closed all of my credit card accounts because my credit report shows that I have too many new accounts. I then contacted chase over the phone to discuss the matter, and was told that I am considered too risky for the bank therefore they are terminating all of my accounts. If Chase is concerned about credit exposure, the fair course of action could be lowering the credit limit on the accounts rather than shutting them down. It is hard to understand how Chase has arrived at such conclusion as I never had a late payment throughout 8+ years of credit history, being current on my mortgage payment, extremely low debt-to-income ratio, and pay off all my credit cards on a monthly basis. How does having too many credit cards suddenly make a customer too risky when they have demonstrated perfect ability to service their accounts responsibly throughout the years?
In  XXXX  of  XXXX , I was diagnosed with   XXXX   XXXX  . I have been out of work, without a paycheck, since  XXXX / XXXX / XXXX . Return to wo rk may  be  2-4  months from now. I underwent  XXXX   XXXX   XXXX  in  XXXX .     We applied for assistance early  XXXX . Ocwen dragged the process out for months and finally denied due to what I was making before I stopped. I am only getting  XXXX  per month from  XXXX  insurance. That is only a third of normal income.     We applied again because they told us to. They said the denial should n't have been based on the old pay stubs. This took 2 months. Again, denied. They said they had to use the income we were making before I stopped working and would not even consider a temporary hardship assistance.     We ca n't make payments any longer an d may lose our home.