WillisBack/dataset-financial-user-claim huggingface dataset:
I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) months.
Today XX/XX/2018 I received from XXXX credit reporting agency the results from an investigation. XXXX did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. XXXX writes they have updated the information and review my report. First off this XXXX XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.
I was contacted by convergent outsurcing  XXXX . They have been calling my desk number at my place of employment. The rep told me that they contacted my employer on behalf of   XXXX   and got my information but I have checked and my employer advised that they do n't give out personal information. This is harassment.
Hello I just made a large payment of {$650.00} to my  Chase card two day s ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.
I am constantly harassed by this company with phone calls and U.S> Postal mail for them to try and collect a debt that I no longer am liable for through my bankruptcy over 7 years ago. If you look at my credit reports you can see that there is no debt that is on any on my reports. But this company continues to harass me to the point that if the CFPB does not stop this I will have to call the police. I actually tried calling them and asking them to remove my account completely and the call center they use in XXXX were completely rude to me and said " No I owe them money ''. Which Is obviously not true and a tactic they are using to swindle people out of money that people are not liable for any longer. The letter they sent also said that the Division Manager is a person named XXXX XXXX. When I asked to speak to this person the representative on the line said there is not XXXX XXXX. This company needs to be investigated ASAP. I want my account completed removed from I do not want be contacted once more otherwise I will file harassment charges and I will also contact the federal agencies that oversee these types of company 's
Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating
XXXX i paid a real estate loan in the amount {$6900.00}. 
On XXXX/XXXX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a XXXX credit score of XXXX and XXXX  score of XXXX. 
Once these payments were reported my XXXX score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.
Navient/XXXX misallocated my payments, steered me toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. They never mailed me a payment booklet or coupon book so I never knew how much I owed. 
They have been charging me 9 percent interest for almost 20 years. I now owe quadruple what I actually borrowed back in 1995. They do n't even have an accurate account of how much I have paid over 20 years. I get no statement or emails from them. Only harassing phone calls and garnishment of wages even took place before I got laid off. 

What can I do? 
XXXX in Kansas
I received medical services that resulted in a hospital bill and physician bill. I was told by my insurance company at the time that I only owed the deductible and co-insurance, which I paid. 
XXXX XXXX XXXX XXXX Number : XXXX Member ID Number : XXXX XXXX described my benefits and how much I owed for the services. They covered 90 % of the bill & 10 % was my responsibility. They told me that I owed my deductible and co-insurance payment which totaled {$230.00}. Please see the attached paperwork confirming that I paid what my insurance company said I owed. 
Furthermore, my insurance company claims that they never received a bill for these services and required an itemized bill in order to make payment. Despite my efforts, it seems that this never happened, and I do not feel that I should suffer for something that was not my responsibility. 
These services were covered under my insurance and were n't my responsibility. I request that this account be deleted and removed from credit. I have done everything in my power to reconcile the charges that I was responsible for and do not intend paying charges that are not rightfully mine.
I received a copy of my credit report from Experian and XXXX XXXX and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian and XXXX XXXX on four different occasions requesting an investigation for state public record listed to my report. I requested Experian and XXXX XXXX Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian and XXXX XXXX is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.
Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave
I am a customer of Bank of America. Whenever I go online and transfer money from my checking account to pay back money I borrowed from the checking account 's credit line, the money is debited immediately from my checking account. However it takes from one to three days for the money to be credited to my credit line. The bank 's customer service reps tell me the delay is caused by " processing. '' What kind of processing could there be? It 's all money under XXXX name in XXXX bank. All the transfers are done on computers. I was also told that transferring money from checking to savings does not require " processing. '' The money is credited immediately to the savings account. I was also told that this is bank policy ; they are not following any government regulations in handling my money. I suspect that the delay in crediting me is a money-making device for the bank. By removing money from my checking account immediately, the bank can reduce the interest it pays me for funds in my checking account. The bank also has use of my money and I do n't. But the third feature is the most significant. By delaying the crediting of my credit line, the bank can continue to charge me 18 percent for the borrowed funds. If you multiply the money the bank makes on this kind of transaction by all the customers who use their credit lines, you are looking at a huge sum. Please look into this for me.
I went to OGI Mortgage Bankers to help me with an equity line of credit against my property so that I could pay off current good credit cards and prepare to invest in about 6-8 months. XXXX XXXX, the Loan Manager agreed to work with me, but he failed to provide an ethical process and my credit profile was damaged. 

The list of issues outlined below is taken from an email that I sent to the attorney of OGI Mortgage Bankers/Ony Glo, Inc. 


1. My credit score was NOT an issue when I approached XXXX of OGI Mortgage Bankers, for the Equity Line of Credit request. I approached XXXX for an Equity Line of Credit because I was looking to invest in property within the next 8 months. I wanted to pay off my current debt to raise my credit profile so that I could invest. 
2. XXXX began the process to re-finance my property because he said it was a quicker and surer way to resolve debt and raise my credit profile to expedite investment opportunities. 
3. My credit and/or score was NOT mentioned as a problem to secure the re-finance. My outstanding student loans was mentioned as a factor. 
4. When XXXX failed, to his own written admission, to provide what he promised, I requested him to cease ALL loan processing. 
5. I secured an Equity Line of credit loan ( as initially requested ) within 3 weeks by XXXX XXXX XXXX. 
6. XXXX was negligent, unprofessional, and dishonest. This has negatively impacted my credit. I am requesting OGI to make this right!
I noticed the residence address shows an old address from XXXX XXXX, FL. I called and asked about where the information came from. I was told XXXX. I XXXX the old address and saw there are new apartments where I used to live back when I was living in XXXX the first time. The second address where I lived at in XXXX is not even listed. I attempted to bring this to the attention of XXXX XXXX XXXX at XXXX XXXX via email. I am not sure if I guessed the right email address. I am not sure if whoever is " suggesting '' something or " suggesting '' I am to do something. This is one big "  technical glitch ''.
In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of JP Morgan Chase Corporate Offices, And Chase Banks. As ' of Most Recent, I am still seeing JP Morgan Chase as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. Chase Bank and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XXXX of XXXX in XXXX, XXXX. In XXXX of XXXX, while spending my Summer in XXXX XXXX, XXXX_ I ' found out that ' Chase Bank in XXXX did not. close the Safety Deposit Box after, Papers were Signed in XXXX in XXXX, XXXX. In XXXX, XXXX and XXXX, I ' had asked Chase Bank for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in XXXX a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by JP Morgan Chase, And made Additional Reports to JP Morgan Chase Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
Equifax needs to lose it 's license. They admitted to me that I was one of the 143 Million people that had their private data exposed.
I have been harmed in the fact that I will never know if my data will be used for nefarious purposes.
I am a XXXX tax exempt veteran, I along with the City of XXXX have submitted the proper documentation to the Loan Company on more than one occasion, and they have yet to properly adjust my mortgage payments. The taxes stopped coming out in XX/XX/XXXX or XX/XX/2016, I received a refund from the Loan Company, and the XXXX. Then in XX/XX/XXXX the Loan Company paid a tax disbursement to the City on my behalf for the XXXX and XXXX Quarters, and resumed having my mortgage reflect the taxable amount. I have called LoanCare on more than one occasion, and I keep being told that it will be taken care of. That I will receive a refund, and my account will properly adjusted. Another month is passing, and it has not happened yet. When I called today, I was told to give it 10 business days, I explained that the last time I had called more than 3 weeks prior, I had been told the exact same thing, that it would be resolved in 10 business days. I am fed up with the handling of my loan, especially a VA Loan!!
I have been a Bank of America customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX BOA said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like BOA continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. BOA refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with BOA by calling their customer services but they insisisted the charges are valid. How can that be?
Experian has account number XXXX with syncb/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
Creditor participated in Unfair Deceptive Abusive Acts or practices ( UDAAP ) by committing a Breach of Covenant of Good Faith and Fair Dealing and a Breach of the of Implied Warranty of Merchantability. Creditor via merchant provided me with a vehicle backed by a loan which was defective and which had serious mechanical problems, and as a result the creditor via its merchants practiced and committed unfair dealings which is a breach of contract and a violation of my consumer rights. I was unable to drive the car and had to park it for over a year as the car was not functional. They therefore violated FDCPA and state Laws. This inputted a high financial burden on me and greatly affected my credit and therefore I will like the violations committed by the creditor to be investigated.
Continue to call a number that they have been asked not to use. We were told that they deleted the number from their system. Obviously, they did not.
I have filed a complaint a month ago with XXXX XXXX Edfinancial is now currently holding the loan. But Ed financial had the loan first before XXXX XXXX. It's back with them they got my loan from XXXX who got sued for there repayment procedures and now XXXX is no longer around the letter I received this year from Edfinancial telling me they got my long from XXXX and my payment was rolled over to them. I have not made any payments to XXXX since XX/XX/2010.my account has been closed since then .That was untrue statement from Edfinancial also in the same letter they said XXXX gave them the approval to get my loan from XXXX and I was not with XXXX I was with XXXX edfinancial are connected to the same bank that XXXX  was.
My Citi accounts have been Frozen for days now. 

I have been a loyal Citibank client for my business and personal accounts for about 30 years. 
A few weeks back I received a call from XXXX ( id # XXXX ) from CitiBank profile dept. I was kind in answering but did not feel comfortable, as I mentioned to him, in providing personal info to someone claiming to be from Citi calling me. 
I questioned the need for an updated profile as within the last six months or so I went under a microscope in order to qualify for a line of credit with CitiBank. There is nothing left that Citi does not know about my wife and I. I felt that the call was possibly a scam and left it at that. 
On XX/XX/XXXX or XX/XX/XXXX CitiBank froze all my accounts.I subsequently after hours on the phone, updated the info for the Wealth Managment dept.and provided the info -profile as requested in order to hasten the release of my funds. XXXX mentioned it would take several days, probably after the XX/XX/XXXX holiday, to wind its way thru the various departments to clear the hold on my accounts. The update was to verify my address and best phone number, income info, net worth, that CitiBank already has on file. They wanted private information not relative to my checking accounts. 
I discovered this freeze when I opened my email and found two automatic bill payments were rejected due my accounts being Frozen. I have no access to my funds or information on my accounts. It seems that the Wealth Management Dept. was the source of my troubles and caused me to lose access to all my Citi accounts, which have absolutely nothing to do with Wealth Management. I spent in excess of 6 hours trying to clear up this unnecessary mess, to no avail in defrosting my accounts. I received tremendous support for my local branch managers without results. XXXX XXXX, a case resolver, opened up a case but no immediate results nor from a chain of others, all pleasant but powerless. My automatic payments and checks are bouncing. 
I would appreciate an immediate stop to the freeze on my accounts and contact from a Senior Executive from Citi to  salvage my so called Dedicated Relationship, which for years was Citigold. Great way to treat longtime clients. 
My understanding as I was told by a Citi employee, is that 21,000 others have been affected in the same manner by CitiBank. 
just rolled out this great plan a week ago.
I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
A Wells Fargo bank teller asked me about a cashiers check that I wanted to deposit into my checking account. She asked me what the check was for. I told her that it was a personal business matter, and that I was insulted at what she may be insinuating. She called her co-worker over, because she wanted me to tell her what the money was for. The co-worker said that they simply wanted to check the " validity '' of the check. It was a cashiers check from XXXX in XXXX, Az. The teller then chose to freeze all of my assets, and said that she wanted to do an investigation for my protection. However, the justification ( s ) she used for the investigation were that I had refused to answer security questions, which by the way would not be needed with me standing in front of her with all of my credentials and proof of identity. I simply did not want to tell her what I was going to use the money for. She clearly created a power struggle because I would n't tell her exactly why I was issued a cashiers check for a measly {$1900.00}. I am furious!
I finalized my divorce XX/XX/XXXX. Afterwards, I paid for her mortgage with Quicken Loans ( XXXX  month ) until XX/XX/XXXX, and am currently paying for her car loan ( XXXX  month ). In our court agreement, I was to be removed from the car loan, and my ex-wife to carry the mortgage immediately. She has not, and the house is two months behind. My credit is affected now.
On XX/XX/2018 I was notified by XXXX XXXX and XXXX XXXX that there was a hard pull of my credit report by XXXX XXXX, of my Trans Union Credit Report XXXX I contacted Trans Union and advised them of the incident and i put a cridit freeze on my account. Trans Union told me that I would have to deal directly with XXXX to have the hard inquiry removed from my account. 
I contacted XXXX fraud department. They advised me that they were unable to remove the hard inquiry from my credit report, that Trans -Union would have to contact them with a dispute filed by me. XXXX told me to contact CFPB to assist in resolving this issue. 
I have never had an account, nor have I ever done business with XXXX.
In XXXX XXXX I applied for a loan Mod with Seterus. Everything was completed ( trial period ) and I was sent the Loan Docs to sign. The name ( another parties name ) was not right and we were told not to sign to send back. XXXX back and received them back a couple of weeks later. We signed and sent back. I started calling when I had not received the notification that everything was ok. I am told that everything is being processed. Things went down hill from there. Told that the Mod had been denied and not to make any further payments. I still called several times a week to find out what was happening. I had XXXX XX/XX/XXXX so I stopped calling so I could recoup. In XX/XX/XXXX I called again and was told that the Mod. had been approved on XXXX XXXX 2016. So I called a rep at XXXX and stressed my concerns with what was going on. The next thing I knew I received a Dismissal of Foreclosure and the Loan Docs. So I started paying the payments in XX/XX/XXXX. Now I received a call reflecting that we are five months behind and getting ready to go into foreclosure again. I have written documents from Seterus reflecting payments being made from the Suspense fund now I am told that that was not right everything was wrong. So how do I know what is right. Also I was charged twice for attorney fees. The list goes on!!!!
On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. 
We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. 
In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.