WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM INPATIENT XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS INPATIENT AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH CHA LAW FIRM HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF XXXX. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH XXXX XXXX AND HAVE XXXX IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I DIE BECAUSE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX BANK TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

XXXX BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.
Daily computer phone messages from The Offices of Arnold Scott Harris asking that I call XXXX. No debt is owed, and I have not received any written notice of any debt. I have lived at my current address for more than 13 years, and if I owed a debt, I should have received a written notice of past due payment. How do I make the computer stop calling? Attempts to call the phone number they leave just leads to more computer interactions that go no where.
To Whom It XXXX Concern, On numerous occasions beginning in XXXX of XXXX, we have applied for and been denied a home loan modification. On numerous occasions they asked for documents that were previously submitted, only to deny us for reasons that do not make sense financially. Most recently, we submitted a short sale package to our lender XXXX now XXXX Mortgage. They have repeatedly asked for documents that were previously submitted. They have done this in an attempt to reject the short sale package and move to foreclosure
Bank of America has taken on two occasions {$150.00} from my checking account ending in XXXX for Legal. The company does not disclose these fees and they have taken for the same transaction twice. I would like a full refund as they did not send me any information prior regarding legal order fees which amount to {$150.00} per transaction. This is unfair and deceptive and they violating my consumer protection rights. I WANT A FULL REFUND credited back to my account ending in XXXX. The legal order has been paid twice already and Bank of America failed to provide proper disclosures of these fees which violated my consumer protection rights and UDAAP.
Each month my auto payment is due on the XXXX. The bank states I have ten days beyond this to make my payment before a fee is assessed. But the bank will make a fee assessment sometimes before the ten days. I will have the money in the account every month before the ten days. The bank goes in on the tenth day takes half the payment, charges a fee assessment and then takes the rest of the payment. If I have ten days then the fee should not be assessed until the eleventh day. When I contact the bank about reimbursing the fees they stare they can only reimburse XXXX time as a courteously but no more and this means ever not just that month. I have emails where they have stated this.
A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.
I was offered a letter from XXXX XXXX to pay my account for the amount t of {$350.00}. I advised the customer service representative if I go to XXXX XXXX I can make my final payment for the amount offered to pay in full, I would be in good standing and would not owe on my account. I have always made my payments to XXXX XXXX. The customer service rep states that would not be a problem my account would be in good standings with a XXXX balance. I also advised I had a death in the family and got sidetrack due to planning the arrangements. I paid the payment, and ask the customer service Representative if she could waive the late payment as a courtesy the rep said she would and I was at a XXXX balance. I also let the customer service rep know that I would be moving out of county and that is why I wanted to pay my account off in full, so I would not have to worry about any bills due. Fast forward a XXXX years I have a report from XXXX XXXX I owe them more the {$700.00}. I called them regarding this matter and they would always advised me they could not assist me since the account was sold off and would have to contact the creditor that purchased my account. I called each creditor and was given the run around stating they could assist me since the account was sold to another company. I submitted several documentation stating that I paid my bill and submitted proof of payment from my checking account and also submitted documents from XXXX XXXX I had a XXXX balance the late fee should have been processed and taking care of by the customer service rep. I tired to do the correct steps to issue this off my credit report. Can you please update my credit report since I do n't owe any balance to XXXX XXXX or any other creditor. Can someone please call be back with an update of my case when this is removed off my credit report. I also submitted more info to the creditor with the documents that can support this claim and complaint. I do have the documentation to submit to you, but my system does not allow me to attach the sheets. Can I please forward them to you using email? 

Thank you, XXXX
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX, 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time  wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter XXXX.
OnXX/XX/XXXX, and on XX/XX/XXXX I applied for capital one credit cards. I was XXXX years old at the time and was un-educated about credit cards. So I applied for them and got instantly denied. From being un-educated at the time, I did not realize that you can get hard inquires on your credit report from simply applying and getting denied for credit cards. Since then I have educated my self on applying for and properly using credit cards.
I get numerous calls per day from midland credit management. No one will be on the call. If I make a payment they do not update the due date and continue the calls. I am receiving hundreds of phone calls a month I will n glad to provide cell phone records to detail the extent of the harassment
I am a XXXX in Indiana. My client is getting a loan through USAA Bank. He is a veteran. This loan has been dragging on for close to 50 days. Now they need to extend the rate lock but want to charge my client {$9800.00}. It can not be rolled into the loan so it must come out of his pocket. They have not been expedient with this process. What do I do to protect my client????
I received an email from American Express Serve stating that I had a negative account balance. After reviewing purchases I noticed that serveral charges had been charged twice to my account. I called AMEX serve to try and resolve the issue only to find that XXXX could not get through to customer service due to technical difficulties. This went on Friday, Saturday, and Sunday. Sunday the issue was resolved without any notification or explanation as to what happened. Then on Monday the issue resurfaced once again and after holding for two hours I was able to get through to an agent whom blamed the store for charging my card twice although they only swiped once. After a dispute was opened I was then transferred back to the customer service department in which I would attempt to address the issue of both current and previous duplicate charges and what they could do to take care of the late fees I incurred by not having access to my funds. I was told they could do nothing and then was hung up on because I recorded the phone call. This issue first occurred from Wednesday and lasted until Sunday.
I was advised by customer service agents at Navient on XX/XX/XXXX that I needed to consolidate my loans in order to utilize the public service debt relief act. Following their instructions, I consolidated my loans. I then called them on XX/XX/XXXX to confirm that I could now resume my enrollment in that program. I was informed by an agent at that time that by consolidating I had wiped out all of my previous service under the public service debt relief act, and would have to start over. I have the documents for my consolidation, none of which state that I will lose credit for the payments I had already made through the public service debt relief plan. Clearly, Navient is issuing bad advice and bad documentation, and is contributing to the financial ruin of public servants. I would like to offer to join in the XXXX suits already in progress, or to offer evidence for the suits. Thank you very much.
The account below was deleted in XXXX and readded to my credit report in XXXX. I have attached when it was deleted and my fraud form I got from the bank. 


XXXX XXXXXXXX XXXX {$4100.00} Closed
I have supplied Equifax with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC. To date, they continue to re-insert fraudulent information on my credit and or they wont remove it. This is actually my second complaint within 6 months. They always ask for 60 days to investigate the situation and they do nothing. 

I am requesting the following accounts be removed 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 XXXX XXXX XXXX XXXX I have not applied for credit with in the past 5 years and I am requesting they remove the following fraudulent inquiry entries 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 XXXX Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX. 

Equifax Confirmation Number XXXX
XXXX XXXX reside at XXXX XXXX XXXX XXXX ny XXXX with my husband XXXX and Daughter XXXX XXXX Hsbc Beneficial are nothing but scammers. They have ruined my life along with my family. The refuse to work with modification, lower interest rate. we are paying XXXX which is extremely high. They are taking full advantage of us because of low credit scores, and lack of knowledge. 
How is it that those that were originally clients of Beneficial Finance, which is a predatory lender are now being taken advantage of a worse lender HSBC. We were n't ask if that 's what we wanted. Our accounts are sold out before the ink dries to the biggest crooks that seem to be monopolizing this business. Since there are so many complaints against Beneficial Finance/HSBC why has n't Consumer Affairs done a thorough investigation which would include an audit on the accounts of the consumers that have complained. I do n't think that is too much to ask for. Listing our complaints on a website might stop those that are thinking about getting a loan through either of these companies, however the consumer whose mortgages have been transferred to HSBC because of a merge etc should not be made to be robbed continually, for something they had no control over. 

Once you get involved with these companies it 's like being in quicksand, you never seem to get out. They have also called me all hours of the day including my place of employment and contacting my supervisor gave her personal information, which is a violation of my privacy under the HIPPA laws. I request their phone records should be requested to be reviewed for exceeding calls and threats. I also disagree with their response from the first complaint filed. All the info the responded with was all a bunch of untrue documents. I feel they should be held accountable for all the stress with them forcing us into foreclosure status They have ruined my life. We had a loan approved through the VA mortgage. When we ready to close to the mortgage agreement. Hsbc stated we owed them additional XXXX XXXX of interest. 


I 'm hoping XXXX can help assist me get this company to clear up my account. Because I am being made to pay my mortgage to include an escrow account which would have made my mortgage higher, however I am being made to pay a higher mortgage payment, and pay taxes and insurance outside of the mortgage. And now they want to add on more money to include another escrow, why when they have n't use the amount that was supposed to include a escrow account in the first place. I 'm not the only one with horror stories towards these companies. I feel these claimed are founded to be valid then an audit over the whole account should be done. I need your help, we need your help if you ca n't help us please direct us to who can. I live in New York State. When the lender modifies your mortgage it has to be in escrow.
My first initial contact was from Legal Action Bureau on XX/XX/2018 saying that XXXX XXXX XXXX was coming after me for lack of payment. The debt collector stated that if I didnt pay the owed amount within a 24 hour period then I would be subject to my credit score being  docked 50 points, assets being seized and garnished. He told me 3 different dollar amounts that would satisfy his client ( XXXX XXXX XXXX ). I told him I wasnt good with any of the options and that I wanted his info for a cease and dsist order and verification of debt. He told me that was not necessary and by law he had to stop. I didnt get any letters or information for 2 weeks and got a call on XX/XX/2018, I told him I was at work and didnt have time and hung up. He then sent me 3 consecutive text stating that he sent me an email. I then checked my email and saw n attachment with a contract from XXXX XXXX XXXX ( which is a docu sign with my name misspelled and signed ) I told them I wanted to see a copy of a paper contract that supposedly signed but never got it. I then recieved a call on XX/XX/2018 around XXXX XXXX from a different number for Legal Action Bureau and again I told him I was busy at work and did not have time and them hung up on him. He then called me right back and said that he was going through with affecting my credit score and taking legal action against me.
American Express - Fraud Operations Dispute Refrence # XXXX I have been frustrated trying to resolve a fraudulent charge since XXXX XXXX. I have been told that the matter was raised under incorrect department which caused delay or complication in processing.
XX/XX/XXXX They called me regarding delinquency. I requested cease and desist and advised of who my attorney was. Also referred them to the complaints I had previously placed regarding assumption and modification denial based on miscalculations. 

XX/XX/XXXX received letter from Wells Fargo advising would start foreclosure proceedings would start if not brought current by XX/XX/XXXX. 

XX/XX/XXXX Guy showed up on steps representing Wells Fargo and scared my XXXX XXXX year old daughter. Advised that I had to call Wells Fargo due to delinquency.
I ha d two Citi  credit cards. They both came with bonus points. After about one year, I cancelled  one  of the cards. Last weekend, I noticed that app rox 72,000 poin ts were deducted. When I call ed Citi, I was told   that when I cancelled, I was told I had 60 days to use those points or they would be forfeited. The representative told me that she would contact me after retrieving the phone call to cancel the card to make sure I was warned.     She called back to tell me they had no record of the cancellation but that they sent me an email with the information. I can not retrieve emails that old but have no recollection of this. Much worse is that the account has an {$87.00} credit balance. Think about this - they ran to take the points away but seem to be fine with holding on to my money. If they had any integrity, and if they truly had warned me, they would have sent me additional emails over those 60 days, certainly by day  55, to  " remind '' me that I was in danger of losing those points. I am very savvy about these things and have been very successful with points - this is totally inconsistent with my history. There is no doubt that their anxiousness to take my points while keeping my money speaks volumes. I want those points reinstated so they can be redeemed. If they had refunded my credit when I closed the account, they might have an excuse. Here they do not.
My loan is being serviced by XXXX XXXX My original loan was approved with an appraisal on my home that was done on XX/XX/2018. As of XX/XX/2018 I had paid down my loan principal balance below the required 80 % LTV to remove PMI. 

On XX/XX/2018 I requested BankUnited in writing to remove the PMI and they said I can not remove the PMI unless I pay them {$600.00} dollars for a NEW appraisal when my original appraisal was only 101 days old. 

My complaint is that BankUnited is in violation of the " The Homeowners Protection Act of 1998 '' by refusing to remove PMI with a valid appraisal on file with the Servicer. Requiring me to purchase a new appraisal for {$600.00} dollars is an attempt by the Servicer to prevent me from removing the PMI that I am entitled to cancel. 

I am asking that the CFPB investigate XXXX XXXX and my loan account to compel them to follow the law and remove my PMI as requested without having to pay them to do another appraisal as my current one is still valid. My loan # ends in XXXX at my property located at XXXX XXXX XXXX  XXXX, XXXX, WA XXXX. 

Thank you, XXXX XXXX Phone # : XXXX Email : XXXX XXXX
My account was forwarded to a collection agency and the charge in dispute was reported late in my credit report which affected my credit score. I was not aware of this charge and has not received statements and notification that the account is delinquent. The events highlighted below all happened in less than 30 days..I acted quickly upon learning the charge and took all the necessary steps to resolve the issue as soon as possible before it affects my credit status. 

XX/XX/XXXX - I received an email from Citibank that I owe {$130.00} due on XX/XX/XXXX from a card that I never used ( I am trying to recall if I activated it or not ). This card was a replacement card after the original card was locked and cancelled because of a fraudulent transaction. I fully paid the balance from the old/cancelled card in XX/XX/XXXX. Since the account has been cancelled, I am not able to access that account online anymore.
XX/XX/XXXX - I called Citibank to find out what that charge of {$130.00} is all about. I learned that it was from XX/XX/XXXX which appeared to be a valid charge ( my husband or I may have pulled the wrong card and used it ) I requested copies of the statements mailed to me. Concern that this will affect my credit standing, I was also told that they have not submitted the account to a collection agency. Meanwhile, I immediately faxed a letter to dispute the penalties and fees that were incurred. I was told that they will investigate and that decision will be made within 30 to 60 days. 

XX/XX/XXXX - I received copies of my statements in the mail and learned that the original charge was for {$24.00} and the remaining {$110.00} were accumulated interests and late fees.
XX/XX/XXXX - Even if the agent told me to call 30 business days later, I was anxious of a resolution and called to follow up so I can settle and pay for the original principal amount. I was told that a decision has been made in the bank 's favor and I had to pay the {$130.00}. I feel like this was not a fair decision so I faxed a second letter dated XX/XX/XXXX and was told again that they will investigate and to wait 30 days after for a decision. 

XX/XX/XXXX - I called to follow up regarding my dispute letter dated XX/XX/XXXX and was told that there is no decision yet. I was told that they have forwarded my account to the collection agency, XXXX. Upon learning this, I immediately checked my credit report and found out that this account has been reported late within this month and affected negatively on my credit report. 

This is a clearly innocent oversight in my part citing my excellent credit history record and the minimal amount involved which I assumed Citibank would be willing to forgive. My request to waive late fees and interests is fairly reasonable since I could have paid the charge on time if I was aware of it. The fact that they forwarded the account to the collection agency less than 30 days before action from both parties had been initiated, aggravated me and prompted me to file this complaint.