WillisBack/dataset-financial-user-claim huggingface dataset:
I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan. 
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day. 
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email. 
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails. 
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.
The XXXX XXXX XXXX account being reported on my Equifax report is inaccurate. Please see the attached showing that I do not owe any arrears as being reported! The account is now a matter of the federal courts. XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX
I have verified my information with this company several times and I am not the person they are looking for. They claim to make a note of it but continue to call over and over.
I was a victim of identity theft. Fortunately I caught it early and reported it. I had a fraud alert put on my credit report. The credit card company sent letters saying this was fraud and shut down the accounts. I filed a dispute with Equifax and the response i got back was the inquiries were " factual ''. Their dispute process is horrible, if its a dispute does anyone look at it? They just send you a form letter.
Ive finally gotten one problem with Chase resolved and now they block my account access and my debit card.
as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.
On Saturday morning around   XXXX   XXXX  , I went to the Chase Bank #  XXXX  on  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas to try to open an savings account. I was received by the Teller I asked her nicely that I wanted to open an savings account and she kindly said I needed two forms of identification, which I had at the moment my current Texas  Driver License  and Social Security card. She never mentioned that I needed other forms of identification. Few minutes later, the  manager, he could do for me : I explained I needed to open an savings account for the amount of {$820.00}, without him asking me I set both identification cards on his desk. Then he asked me for my legal status if I was citizen or a resident. I told him that no one disclosed that I would need my legal status in order to open an account and that at other institutions I was only asked to give my  two forms of identification that I mentioned earlier. I feel that is a racial issue and stigma towards me. I told him that " I felt discriminated '', and he rudely told me " no one has ever said anything like that ''. Regardless of the banks policies, I felt that two  forms of ID were enough for me to open an account with them. I feel that my civil rights were violated by this man. I strongly do not feel he should be in charge to represent as  the manager of this   outstanding bank or any bank institution. The teller never told me I needed my citizenship or resident alien card. I do n't feel that my legal status define me as a person with a lot of money or no money at all for him to treat me this way. I would want people to know so that it wo n't happen to them. Th e manager in   the Saturday morning shift. He rejected me with all possible intention. I spoke   XXXX   to him in all conversation because I felt comfortable speaking in our native language and that is how I initially asked, he never thought that I spoke   XXXX   to begin with. How was he able to define my legal status? By my appearance? I am very disappointed. Am I to bring my citizenship card to open my account? Saturday morning  X/XX/2017
GreenTree sold our mortgage to ditech after my father passed away 10 years ago. They chane our payment rates, have us late every month, and refuse to transfer ownership via probate order. Now they are refusing to take any payment from us.
Back when Navient picked up my student loans last year from my previous lender they improperly applied my existing payments ( I was six months ahead ) to their loans and then told me I was behind in payments and they were going after my credit if I did n't pay. This forced me to pay early, which I could afford, but was definitely intentional on their part as I spent hours on the phone with their customer service providing written evidence of proof of previous advanced payment. They refused to change my payment due date to the correct advance date even when faced with indisputable evidence of my payment history. I had assumed they were just incompetent and gave up fighting them, but when I saw the news article this morning that the CFPB was filing a lawsuit I realized I was n't alone and this was systematic and intentional. I wanted to add my story to the pile.
The fraud department has had our business credit card accounts on hold for several weeks now due to payments they want to verify. Although we disagree with the fraud hold initially, we understand the need for security. What we do not understand is why the fraud hold has not been released almost 30 days after the payments were made. 

The fraud department has indicated that they want to verify the payments in question by calling the banks that the payments came from. Unfortunately, XXXX of the institutions do not disclose any information about customer accounts over the phone. The capital one fraud department needs to find a better way to verify payments, and absolutely should have a means of automatically removing security holds after several weeks. In any case, I have attached statements to this complaint, and highlighted the payments showing that they have cleared. I have also attached photo ids of the account holders.
I Disputed online with both XXXX and Experian. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.
Bank of America made me a loan XXXX 2016 with 0 % interest for 18 months. They explained that I would not be charged interest on my purchases. Each month for 4 months I spoke with agents who assured me I would could pay off my purchases and not be charged interest. On XXXX XXXX I spoke with XXXX in the Arkansas office who informed me that I was misinformed for 4 months and that unless I pay off any credit charge on the SAME DAY of purchase I will accrue interest immediately.
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.
I have contacted Transunion numerous times concerning the omission of my credit card issued by XXXX XXXX XXXX not being reported. Transunion has not done anything to resolve this issue besides stonewall me and my credit card issuing company. XXXX and XXXX both report this credit card on my credit report and has done so for the last 25 years.
XXXX XXXX Inquiry XXXX XXXX, 2016 is on credit report. was told this would not be a hard pull on my credit and they lied. it goes against my good credit score. would like removed. I have told this company that i am mentally challenged and on my bad days i ca n't even remember my first name. I would like this company to fix their mistake and take this off my hard pulls on my credit report
After moving into my new apartment, I received a coupon packet from the USPS that included a promotion with Chase bank. The promotion stated that if I opened a checking account with direct deposit, I would receive {$300.00} within 10 days of satisfying the direct deposit requirement ( the requirement was {$500.00} each month ; more than double that has been directly deposited by my employer each month ). I opened my account in XX/XX/XXXX ; it has been almost XXXX months, and I have not received the promotional credit. I have emailed the bank customer service representatives, but they said that without re-submitting the coupon they could n't do anything. But, upon opening my account the woman took the coupon, so it 's impossible for me to still have that coupon. I would not have opened an account with Chase had it not been for this incentive ; I would have gone to another bank that would have actually honored their promotions. I am extremely frustrated at this bait and switch, and will close my account with Chase if they do not honor the promotion that brought me to their branch in the first place.
I received a letter from The Law Offices of XXXX XXXX XXXX XXXX originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the XXXX  XXXX XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed. 
I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXX XXXX XXXX XXXXXXXX collected the debt. from XXXX XXXX of XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of XXXX XXXX XXXX XXXX The Neuheisel Law Firm.
Received a notice from Citi that my credit card account of several years standing was being cancelled due to inactivity.I had not used the card for 3 years. However there was a rewards balance of {$130.00}. When I called the Citi call center to ask about the cancellation, I was told that when the account was closed the rewards balance was cancelled as well. 
While their card agreement allows them to cancel at any time for any reason, or even for no reason at all, I think it is unethical for them to stick the rewards dollars in their pocket. 
I would be curious to know the accumulated amount of rewards they pocketed from inactive cardholders as a result of this kind of action. 
SUMMARY : I understand their right to cancel the account, but feel cheated that they took my rewards without warning. A similar experience with airline miles happens, however it is with warning that miles will be cancelled if no activity took place ( and usually with several notices to the account holder ). I think bank regulators and elected officials should be aware of this self enrichment action on Citi 's part.
Trans Union report mine account of XXXX XXXX XXXX XXXX ****. 

This account it s not mine.
Bank of America reported on XX/XX/14 suspected fraud activity but I didn't do anything except take a check from someone but me and the person didn't know the account was closed till the bank told me and I tried to tell the bank I didn't know the person account was closed till 5-6 days later compared to when she wrote the check I did not know if the account was closed or open.
I had an account open with WellsFargo since XX/XX/XXXX for direct deposit from my employer XXXX XXXX. On or about XXXX XXXX, XXXX both my Credit account were closed and put on collections. 1. Platinum Credit Card account XXXX {$1000.00} and 2. Line of Credit limit {$3000.00}. I had balances on both accounts, but never missed or made late payments. I had inquired bout their closure and was informed that WellsFargo is not obliged to give reason for the closure at their executive office. On XXXX XXXX, XXXX, I had paid both balances to {$0.00}. Yesterday, XXXX XXXX, XXXX, I took my family to a restaurant and attempted to pay for my restuarant bill with wellsfargo debit card, I had a balance of {$760.00} of which {$210.00} cash deposit was made at the branch at XXXX XXXX Est. on XXXX/XXXX/XXXX. Card got declined, I was embarrassed and had to use credit card to pay my bill. 
Today XXXX/XXXX/XXXX, I called the wellsfargo customer service and after so many transfers was informed that the bank had terminated the relationship and funds are frozen for up to 10 business days. I have inquired as to why my account was closed and relationship terminated. No explanation was provided. I had asked for supervisor to intervene and release my funds as I had payments and other bills to pay. They had declined to allow the total funds to be released, and decided to release only {$580.00} out of the {$1000.00} I had in my accounts. Funds that I have earned legally from my employers. I do n't think it is right as a consumer for my funds to be frozen without proper explanation. I have bills to pay and late charges incurred because my funds were frozen would only add to my problems and frustrations. I do n't think any bank institution has the right to freeze consumer funds unless that consumer comes up on OFAC list. Last I have checked I am not on OFAC list, therefore, I do not wish for anyone else to go through what I am going through with WellsFargo and wish to file a complaint and remedy the surcharges incurred by me because of this ordeal.
Hello Sir or Madam, XXXX XXXX XXXX, XXXX an unauthorized charge of {$400.00} into my account which I had completed the agreement on XXXX XXXX, XXXX for the handyman. 

I notified XXXX on XXXX XXXX, XXXX that I did not authorize the charge, no card was swiped in his credit charge machine, no phone call to authorize the charge, and he was not even at my house. 

I filled in the paper work for dispute. 

On XXXX XXXX, citicards said it was a fraud issue therefore went to fraud dept. No response. I called within a week and they said that does n't below that department. 
On XXXX XXXX, I talked to the supervisor XXXX in dispute dept and he said look into it. 

On XXXX XXXX, I called into dispute dept and XXXX said it will forward to an investigator. 

On XXXX XXXX, the security dept emailed said that this is not their dept. to handle the case. 

On XXXX XXXX, I called the dispute dept. and XXXX then XXXX said it will forward to investigator. 

On XXXX XXXX, called the dispute dept. Could n't provide me an answer and they sent a form to complete XXXX XXXX XXXX, I faxed the form. 

On XXXX XXXX, received an email that they could n't read my fax. 

XXXX XXXX emailed the form. 

On XXXX XXXX, I called dispute dept. and XXXX responded that they will forward to investigator. 

On XXXX XXXX, I talked to XXXX in dispute dept and she said the her supervisor is looking into it. 

On XXXX XXXX, I contacted XXXX for consumer help. XXXX was able to get some help from the XXXX area of Citi Bank ( XXXX ) phone # XXXX XXXX ]. She said the whole process start from beginning again. Will have the resolution in XXXX XXXX XXXX line is that I talked to the handyman in mid XXXX XXXX about the issue. 


I never did authorize this charge period. Everytime that I authorize the charge is running through his credit charge machine. 

So, with that credit card machine supposedly an authorization code is attached onto the credit slip. But for that specific day -no authorization is performed. 

Thank you. 
XXXX XXXX
1. In XXXX XXXX, we applied for a home loan modification due to financial hardship caused by family medical issues. In or around XX/XX/XXXX, we were denied home modification and was informed during the last week in XXXX by Supervisor XXXX XXXX in order to maintain our home from default proceedings, we would have to make an XX/XX/XXXX payment of {$1600.00}. In XX/XX/XXXX through XXXX XXXX, monthly payments of {$1700.00}. In XXXX XXXX, our monthly payments would return back to {$1300.00}. ShellPoint did acknowledge our medical hardship, However, our assigned Shellpoint representative XXXX XXXX did not informed us that Shellpoint was not a participant in President Obama 's HAMP program. In XXXX XXXX we were under the impression that we were applying for a HAMP Home Modification. We were not notified that we had the option of appealing the initial offer. The assigned single point of entry assigned to was never available to speak to us or answer any of our questions. He did not return calls at all, as per his company policy that calls should be return with in 48 hours. His coworkers always handled his calls and decision were made from third handed information in that we were not consulted for clearance by him. Options such as refinancing, home equity loans or options were not discussed or presented to us. Only options were the Company modification Program, Short Sale, or turn over the deed. The Company 's modification offer increased our monthly mortgage payments by approximately $ 300 monthly. We were denied having access to our mortgage holder. We were given a different company every time we asked and was advised not to call because they were hired to handle this. 
.
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX  violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX  has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. Wells Fargo didn't provide information within the 30 days as per FCRA which is a direct violation.
I received a voicemail on my work phone from a XXXX XXXX stating she was from Bayside Capital Services LLC calling to collect a debt and that there was a " legal document '' that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email ( which said that if they didn't receive a response in 30 days, they would consider the debt valid ). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this " legal letter '' was going to be delivered to my place of work. I told her ( per the letter I was sent ) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account ( she lied and said it was and that is how they got the number ). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.
Our son purchased a vehicle and had it financed through Chase Bank. Our son XXXX XXXX XXXX, 2015. We contacted Chase Bank in XXXX and sent XXXX Certificate and account information to Chase Bank probate department as instructed. In XXXX we received past due billing notice, again. Again we contacted the customer service department and were assured that it would be taken care of. It is now XXXX and we have received a past due and collection notice from Chase at " our '' address. Our son lived at a different location and his loan had that address. Amazing they got our address but not the other information? Also, the vehicle was recovered by Chase Bank in XXXX.