WillisBack/dataset-financial-user-claim huggingface dataset:
We had a checkbook stolen from a desk at work. Several checks were written by the thief to " Account Holder '' and were cashed. A freeze was placed on our account at Bank of America. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to " Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Bank of America branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the " Freeze ''. He called the " Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!
Please refer to attachment for my initial dispute regarding Wells Fargo 's explanation of an FHA application as " Not Part of the closing documents '' It was done in " Good Faith '' First of all, I have a binded portfolio of ALL THE CLOSING DOCUMENTS along with HUD 1, HUD 2 etc. Each of the numerous documents including the HUD 1 and HUD 2 list the " Mortgage Insurance Case Number : XXXX. '' One of the loan numbers submitted by XXXX in an earlier response to my concerns lists XXXX as one of the numbers assigned to the FHA/HUD mortgage. XXXX states that the FHA CASE NUMBER is located in one of many data bases. 
( I will also be disputing IV Acknowlegment and Agreement as stated on the FHA application and VIII which is Information for Government Monitoring Services ) The very first sentence in VII : Each of the undersigned specifically REPRESENTS TO LENDERS AND LENDER 'S actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns and agress that 1 ) the information provided in this application is TRUE AND CORRECT as of the date set forth opposite my signature and that any INTENTIONAL or negligent misrepresentation of this information contained in this application may result in Civil Liability, Including Monetary Damages TO ANY PERSON who may suffer any loss due to reliance upon any msreprsentations that I have made in this application and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, sec.1001 et seq. 



The very first line contained in VII starts out stating " The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the Lender 's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.
On the morning of XXXX/XXXX/2017 Credit Collection Service called my XXXX XXXX XXXX daughters phone and demanded information about her phone number. She was confused and scared about what they were asking. When she would n't answer the man to his satisfaction he told her " you know we can find you just tell me what your phone number is ''. She told him her number and he said if she did n't follow his instructions he would disconnect her phone number. She started crying and told him she needed to talk to her Mom ( me ) and he hung up on her. The number he called from was XXXX. I called that number and a man named XXXX answered, confirmed the name of the company and I removed her number from their database and told them to never contact a minor again. This is a new phone number. We have no affiliation to any accounts with this company, nor was this company calling about anyone we know.
I have repeatedly tried to contact diversified consultants about a incorrect account on my XXXX, XXXX and XXXX  credit report. Its hurting my ability to apply for credit.
PNC bank exploited my youth and inexperience along with XXXX XXXX XXXX XXXX XXXX to purchased this car a XXXX  XXXX XXXX during the month of XXXX, XXXX. As a young first time buyer of a vehicle they sought to undermine, manipulate, and exploit my youth against my better judgement all for the sale. 

As a matter of fact, I shouldn't have been allowed to purchase such a car with 'little ' to no credit history. The sale price of the car was in excess of {$20000.00} dollars not adding sales tax, etc. XXXX 's XXXX XXXX felt that PNC Bank would be a good bank to finance my car. 

This is when the issues began for me. PNC Bank charged my 24 % interest rate for this vehicle knowing full well this wouldn't be suffice for my income and amount of wages I was incurring working at XXXX XXXX XXXX. 

For the record, I couldn't make those payments of {$370.00} a month with an interest rate of 24 % percent and insurance for the car at nearly the same amount of {$350.00} a month. Based solely on financing options and how the discriminatory practices of PNC bank from as far back as XXXX.It wasn't going to be a good fit for my income and wages. Not only did I sought to ask for a price reduction and interest rate PNC bank refused to listen and as a result my car was repossessed for no keeping up with the payments. 

After receiving several notices and warnings about missed payments it was clear the car would have to be returned solely for a re-sale. PNC bank not only failed to recoup the amount of the car but instead sold it for a lower price only to cause me financial hardship and attempts to ruin my credit. 

As a young XXXX year old, I was completely blinded by these tactics used by car dealerships and bank at my peril. PNC bank has a fiduciary responsibility to ensure my fair and impartial sale of the vehicle of which I whole heartily believe used me for financial gains for the dealership with the interest rate based on my inability to pay and my need to have a car. This is unfortunately been the practices of PNC with its partnership with XXXX XXXX XXXX XXXX, Maryland XXXX. These types of unfair practices must be STOPPED. 

Now my credit is being destroyed at the moment and the account has been referred to a collection agency namely " XXXX XXXX XXXX '' which is the extension of " XXXX XXXX, XXXX '' which to me are the same company attempting to undermine the public through unfair practices of bullying, harassment, and coercive practice and violating laws in Maryland called " blue laws '' this must stop as well.
United Auto Credit left threatening messages on my voicemail on more than one occasion. They left a voicemail on my phone before XXXX. They would call back after I ended the call and told them not to call minutes later. They continued to call my references cell phones after asked not to. They called my cell phone after asking not to. Once I received I text message saying they could find my vehicle. Would receive emails threatening the collateral no encrypted.
XX/XX/23 Equifax did not address my dispute for removing fraudulent items. Instead they sent me a letter that had no context or value to the situation
In XX/XX/2017, we were devastated by Hurricane Harvey and forced out of our homes. In XX/XX/2017, our mortgage company offered us a 3 month payment relief and told us at the end of the 3 months, we can either pay the balance in full or receive disaster modification. We accepted their offer as it was much appreciated during this time. We contacted the mortgage company several times trying to understand the program but no one we spoke to had accurate information. We started to receive foreclosure letters and collection calls and we were very confused. We were then told we would be placed on a " trial '' modification and to pay a certain amount for 3 months and after the 3 months, we would be modified for the 3 months that were forbearance. Our credit reporting has been impacted and showing 6 months of late payments, something we were told wouldnt happen. We are STILL awaiting this so called disaster modification we have been promised for MONTHS! We have done everything they have asked of us but we are not getting any true help. Its been one lie after another and their " attempt '' to help us has become the worst nightmare ever. As first time homeowners, this experience has not helped us at all! We wouldve preferred to struggle to pay the mortgage along with temporary rent elsewhere versus dealing with this continuous battle of unprofessional and inaccurate information from the lender. I want our account fixed. We were also told we have an escrow overage that will not be released until we get our account out of default. Theyve been dragging their feet and wont fix this account in order for everything to go back to normal. We cant make payments over the internet because our account is all screwed up. They didnt tell us when they offered the disaster assistance that everything would end up screwed and confusing. The collection calls, the threatening letters, the continuous lies and negative credit reporting should be illegal!
Titlemax used predatory and evasive techniques when procuring a loan from them. I was in a desperate situation, as I was unemployed and my California Unemployment had not kicked in yet. 6 months ago, I made attempts to return the vehicle to them and they refused to take it back to satisfy the loan. I had no luck selling the vehicle without the title as people are not comfortable with that scenario ( Can you blame them? ). I stopped making payments, as all payments were going towards interest and not principle. Titlemax refuses to collect the vehicle in an effort to continue to collect interest on the account!
On XX/XX/2018, I received a phone call and voicemail from XXXX XXXX stating she was attempting to contact me to locate me from the civil litigations department, and they were sending a couier to my place of employment within 24 hours if I did not contact them, and there would be a case filed against me resulting in a judgment. This same message was also left on my husbands voicemail as well just 2 minutes after calling me. When I called the number back I spoke with XXXX XXXX who stated she was a representative with an attorney 's office, and I asked her if she worked for the State of Texas Attorney 's office since she was calling from an XXXX number and she told me she did. I asked for the name of the attorney and was only told there are several attorneys in her office. So I asked for the name of the company, and she state United Recovery Solutions to which I replied this is a debt collector. I told her not to call again and send all correspondence through the mail. My husband not knowing what was going on returned the call on his voicemail and without verifying ANY information except his phone number proceeded to speak to him freely about the alleged debt, and told him they were sending a courier out to serve me with papers at my place of employment. Shockingly no one ever showed up. On XX/XX/2018 I called this number back and spoke with XXXX who informed me no courier would be coming and asked if I was aware there was a notice to appear filed against me. I told her no because I was never served any papers. She asked if I would like this information over the phone. I told her no I would like everything in writing. She immediately hung up the phone. Throughout the day on XX/XX/2018, I spoke with several people in this office and recorded all conversations. Several times I was hung up on, and put on eternal hold as soon as they heard my name. Every time I called back. When I asked for a physical mailing address the phone would " break up '' only then and with each person ... I was denied a full physical address. I requested a letter in my email from this " company '' and even the letter head does not have a complete address.
I am trying to get the private mortgage insurance cancelled on my mortgage as we have met the requirements. My mortgage  carrier  ( LoanCare ) states on their website that a written request must be submitted, which was done through their website program specifically for this request. This was done on   XXXX   XXXX   XXXX    . I waited  XXXX  weeks with no response and followed up on   XXXX   XXXX   XXXX    . At that point, I was able to talk to someone in customer service and they stated they never received my request. They continued to submit it over the phone and get my case opened. I waited another  XXXX  days before following up again. When I called and spoke to them on  XXXX   XXXX , they told me it was in process and would be completed and I would receive a letter from them by  XXXX   XXXX  giving me the results. After I received no letter, I called back again on    XXXX   XXXX   , and they said it was still open and it was scheduled to be completed by    XXXX   XXXX   . I called on   XXXX   XXXX   to get an update, and they told me they still needed another 10 days because it was a 20 day process. I told them when I started the process, and asked to speak to a supervisor. They input that request into my case and I have yet to hear back from that supervisor, today is   XXXX   XXXX  . I have talked to several people over the past 2 days, they have all told me that they see the request for that manager to call me back and said they are required to call me back " that day ''. After several more calls this morning, and refusing to get off the phone accepting the reply of " my supervisor will call you back '' I talked to a supervisor of some sort and told them I wanted to file a formal complaint on their customer service. They ignored that request and told me that the supervisor I was supposed to be getting a call back from will get to me in the next  XXXX  hours. In the meantime, I have no choice but to pay for the PMI that I should be able to get cancelled, which is costing me $  XXXX .
I filed a complaint with you all on santander a month or so ago and they removed from my credit report as a debt relief attached is a copy of the response from then well here it iw months later they have sold my information to another company after agreeing to remove from my credit which they did but they never states they were going to sale my information attached is a letter of that as well
XXXXx has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC 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.
Deliberate fraud performed by Citibank on a simple checking account. 

Direct deposits, Checks and even cash deposits were delayed precisely 4-5 days before scheduled auto-pay bills such as water/electric/credit card bills The deposits displayed in said available balance were actually on hold. In investing this, I made a counter deposit in cash with a check on the same day as a direct deposit from work was scheduled.

The scam is ... Allowing 2 attempts from any pre-authorized auto pay to fail which incurs {$70.00} in penalties, the third attempt is accepted authough funds have not been release, incurring {$84.00} in penalties The pre authorized payment along with all fees are placed into a strikingly high interest rate overdraft account. 

The result is your checking account appears balanced and the overdraft account doesnt just rake money in. 

Its hidden from paper statements, if enrolled in online statements the account doesnt exist and online it was not displayed as a dept The worst part is how payment delays coincide with autopayments. Which is the only reason I deposited cash, checks along with an instant direct deposit 6 days before my XXXX bill would hit. 

It took two months, cancellation of my overdraft account. Directly instructing the bank to deny any charge that would cause an overdraft so I could manually manage payments.

Credit score went from XXXX to XXXX over 2 months and this was just a personal account. 

That would not be fair to other people as this must be a large scale scam. Arguably 12-20,000 was stolen in a few months. Which I actually paid. 

Most people would be 100 % trapped in debt and nearly cost me one of my businesses. 

A refund, along with withdrawaling/correcting information to credit organizations is required
Hi i have not been aware of how checking credit works and havent checked my credit in probably 8 years. I just recently downloaded an app called XXXX XXXX   and notice two accounts reporting that i needed more information on to determine if its mines and 100 % correct. I followed the proper protocol by contacting the credit bureaus and when they allegedly verified these accounts i sent 2 letters to XXXX XXXX and XXXX. None of whom responded to me and its been over 30 days. I have a XXXX and my XXXX doesnt always allow me to XXXX XXXX from a long time ago because thats when my accident occurred and if this happened during the time of my accident i was in the hospital for almost a year i would have known.its not fair i couldnt get a response to ease my mind. I am now reading my rights were violated as well as spoken to a FDCPA Attorney as well. I am disappointed And Feel hoplesss that i followed all the right steps and being taken advantage off
I have written and emailed Santander Consumer USA, THREE amount my car payment reporting late to All Three Credit Bureaus, for a total of 8 payments. Here are the dates of letters & emails that were sent ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This company is Notorious for not report on time, and not respond to communication with the consumer.
I purchased a XXXX years ago. I paid on time. Towards the end there was an amount due and XXXX gave me permission to make the last amount in payments. They messed up and marked me as late to the credit bureaus. In 2009 I received a letter stating they had contacted the credit bureaus and marked me as not being late ( see attached ). Every credit bureau except TransUnion changed their records. In the meantime I have dealt with the deaths of XXXX parents as well as XXXX. I am coming into some money and low and behold TransUnion still has not changed my score. This will affect my ability to buy a house. Please see the attached letter with a barcode from XXXX which proves beyond a reasonable doubt they did the right thing. Also please note all other credit agencies do not show a late. Only TransUnion. I want this removed from my credit score with TransUnion. This letter from XXXX is from 2009. 
Thank you, XXXX XXXX
My identity was stolen to open a private label Capital One Kohls account at XXXX Sunday XX/XX/XXXX I received email receipts of XXXX watches being purchased in an account in my name I did not open I received an immediate alert from XXXX and XXXX monitoring. 

I tried to call Kohls credit card department and was informed they dont open until XXXX on Sundays!! 

In the meantime I saw more receipts for more fraudulent watch purchases I have a general purpose Capital One card and called them and told them the problem. They told me they have no access to the private label credit card system. My response was the same ultimate bank is granting private label and general purpose unsecured credit and you have no exchange of information between the two businesses. 

He said yes. I have no idea how Much the private label credit line is or whether it is delinquent when I look at that credit in the general purpose card system Therefor Capital One has no idea how much credit they are giving to the same client across their unsecured consumer credit businesses and if a client defaults in one business it does not automatically Impact the other business This is horrible risk management and they should be in the penalty box and not pay any shareholder dividends until fixed XXXX XXXX XXXX Investment Banking and unfortunate Capital One client
I just got a phone call from " Credit Judgements '' saying I 'm in default for a payday loan I took out in 2012 from the XXXX XXXX XXXX. 
I have taken out a payday loan in the past, but I 'm pretty sure that it was paid. 
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that, I would have to wait for a court summons and get an attorney if I wanted to fight it. 
Again, I asked for proof of debt to be emailed or mailed to me and they would not send it. 

Company name & address : Credit Judgments XXXX XXXX XXXX XXXX, NY XXXX Contact : XXXX
I recently checked my credit report and found XXXX XXXX XXXX   located on there. I then made a police report and also I identify theft report regarding the Issue. XXXX and XXXX  took my request in and blocked the account yet its still located on my Equifax account. 

After time went by, it had been three weeks so I gave XXXX XXXX a call see if they received my request that I had mailed it.. 

XXXX XXXX XXXX told me my request was denied because my address links back to the account that was opened in my name. 

When I sent it my identity theft report which is attached below. It currently has my current address. Phone number. And also email address. 

Even after XXXX XXXX  received my identity theft report and affidavit. They still denied my request.