WillisBack/dataset-financial-user-claim huggingface dataset:
This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. <P/>And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. <P/>And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. <P/>Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. <P/>Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. <P/>How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. <P/>Please shut down this piece of XXXX bank. And keep this complaint on their public profile.
I received an alert from a company called Credence who has placed for collection an account on my credit report on behalf of a company called XXXX in the amount of {$150.00}. I received this alert on both my XXXX and XXXX reports. 

XX/XX/XXXX, I received a collection letter from this same company for this very same account. I sent them a letter certified disputing this account and requesting that they validate this account for accuracy. They failed to do that. I later contacted XXXX about this account and they could not find any information on this account pertaining to my social security number or any other personal identifying information. I never received a response to my letter from the collection company, Credence. I sent them a letter the same day that I received the collection letter so it was within the 30 requested days. Due to the fact that I did not hear from them, I assumed that this situation was closed. I did retain all the records of my correspondence and a copy of my certified mailing and a copy of the letter that I sent to them in case they or XXXX decided to make contact with me again. 

Prior to receiving their letter, I received a letter from XXXX stating that there was a data breach of their records, which I still have. I also sent them a copy of this letter. I never opened up a T-Mobile account, so I did n't understand why I received a data breach letter in the first place. 

When I researched this fraudulent collection that they placed illegally on my credit report, I noticed that they claim that this account was opened on XXXX XXXX, XXXX, but when I inquired about this account XX/XX/XXXX, your company stated that this account was opened XX/XX/XXXX. It appears to me that not only are they not verifying accurate information, they are fraudulently placing an account that I disputed as identity theft a long time ago, they never responded to my inquiry, they recently placed this on my credit report, and they are illegally attempting to re-age this account for their personal collection tactics, for an account that was never opened, never authorized, never benefited by me. 

I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.
" Granted '' a HELOC from CITIBank in XX/XX/XXXX, interest only for 10 years, ballooned in XX/XX/XXXX, started " Loan Modification '' in XX/XX/XXXX. After sending in the same information over and over again, requesting information not necessary, finally made it to Underwriting for the second time only to be denied a " Loan Modification '', they now have me over {$18000.00} past due and was told to bring my account current or do a short sale! I was " Granted '' this loan with a picture of my property taken out of a car window in the dead of winter and I spoke with NO ONE regarding questions on the house, if they would have spoken to me they would know that it was started in XX/XX/XXXX, added on to 5 times, has no conforming sewer and a sandpoint for water, thus I was told that I have too much equity to qualify for a loan modification!
They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers.ALL Shipments Confirmed / Delivered They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers. ALL Shipments after Checking Tracking are Confirmed / Delivered. When I logged in to my paypal account I had received a message that states " Your account access is limited. Learn how to remove this limitation. " Upon clicking the notification on the right hand corner of my paypal account this is the message that appeared : You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that 's inconsistent with our User Agreement and we can no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you ca n't send or receive money. Any money in your balance will be held for 180 days, at which point we 'll send you an email with instructions about transferring your money. 

Reference # XXXX I have learned that this is NOT ONLY NOT ETHICAL BUT ALSO ILLEGAL BY HOLDING MY FUNDS. I want MY FUNDS IMMEDIATELY RELEASED. I did my part by SHIPPING OUT MY PRODUCTS. I WANT TO BE PAID. I AM NOT ONLY OUT MY PRODUCTS THAT I HAVE SOLD BUT ALSO MY MONEY THAT I AM OWED. ANYONE THAT IS READING THIS THAT WANTS TO BEGIN SELLING ON EBAYXXXX PLEASE PLEASE I URGE YOU TO OPEN A MERCHANT ACCOUNT AND STAY AWAY FROM PAYPAL THEY ARE THE BIGGEST CROOKS IN THE WORLD WHO HIDE BEHIND THERE BUSINESS. 
Account ID : # XXXX
HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised " that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance, including loan modification, for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount, or even slightly higher, we could regain our financial footing. Please help.
XXXX XXXX, 2015 between XXXX XXXX, I was denied entry into the Key Bank located XXXX XXXX and XXXX XXXX. XXXX, XXXX, Ohio because of racial discrimination. I am a man of XXXX descent. 
I and my XXXX sisters were there to discuss an outstanding loan debt with a loan officer when they locked us out, but allowed only white customers entry into the establishment to transact business. Though, after about XXXX minutes, I and my sisters were allowed entry finally. We asked why " we were not allow but white customers were, '' the Relationship Manager on duty, XXXX XXXX said, " because there system was down. '' What a terrible explanation, seeing that white customers had no problem gaining entry and transacting business, but I and my sisters were denied that opportunity.
Fidelity Creditors has not done the required due diligence in collecting valid notarized documents from their client business XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information to the credit bureaus. Thus Fidelity Creditors is guilty and libel of defamation and harassment towards me by using fraudulent documents to negatively impact my credit report. Also, Fidelity Creditors is sharing my personal information with other people and businesses without my permission and have thus compromised the security of my identity and put my personal well-being at risk.
I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Navient for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Navient is now reporting to the credit bureaus that I am late. At this point, Navient needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
They have not removed the illegal inquiries and the illegal account on my credit report. 
The illegal credit inquiries are XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17 XXXX XXXX/XXXX/17, XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17. Additionally, the following credit account was applied for and used without my knowledge or permission. XXXX XXXX
I have been trying to get a loan modification with Ocwen. Over the last three months I have been given conflicting information. Some examples of this are : 1. On XX/XX/XXXX I spoke with Loss mitigation rep XXXX ID # XXXX. She confirmed she received my profit & loss statement through XX/XX/2016. On XX/XX/XXXX XXXX XXXX ( XXXX ) ID # XXXX told me they never received any profit and loss statement from me and it needed to be resent. 
2. On XX/XX/XXXX I spoke w/ XXXX ID # XXXX who told me I needed to send in a new RMA and paystubs and an explanation for a discrepancy ocwen claimed was in the YTD of my payroll ( they refuse to send this 'discrepancy ' in writing so it can be reviewed. I see no discrepancy and neither does my payroll manager. ) on XX/XX/XXXX XXXX ID # XXXX told me those documents were never requested. 
3. On XX/XX/XXXX I asked XXXX # XXXX to escalate the file as I felt I was being given false information and there was a lack of competency on the part of Ocwen and my modification. She said she did n't know how to do that or what that was. After I told her I was going to complain to the CFPB, she told me she COULD escalate the file. She refused to comply until threatened with the complaint. 

Basically, Ocwen is fighting me tooth and nail because they want to illegally foreclose on my home. They so far refuse to review me for loan modification in good faith. I have been lied to given false information over and over. I need help.
I contacted Loancare service via phone on XX/XX/XXXX. I inquired about " total fees '' of {$280.00} on my statement dated XX/XX/XXXX. I was told that the charges included {$75.00} inspection fee because our loan is backed by the VA and we were behind on our mortgage payments. The inspection was required by VA policy. The inspector was verifying that home was not vacant. I was told the inspections occurred on XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX by XXXX XXXX. I first told that the inspector/XXXX XXXX is a " loancare employee '' then I was told that the inspectors were " independent contractor ''. I was told then told that the inspector was supposed to leave a business card at our address. We never received a business card. When I questioned the customer service rep about the business card. I was then told that the inspector was not required to leave a business card. I was then told that the inspector took photos of our home and filed a report with loancare. I requested proof of the inspection via photos and/or report- since I was charged a fee for a service I do not believe occurred. I was told I had to subpoena loancare to receive the requested documents. My mortgage was sold from XXXX to Loancare. I have had nothing but problems since Loancare took over our loan. Please investigate Loancare for unethical business practices and violation of inspections required by VA backed mortgages.
XX/XX/19 i received a phone stateting i was being sued by debt owe 12 years ago. Which I dont recall ever heaving. They also call my work and family members. Not sure if they're Legit. Without me giving them my ssn number they had already told my what it was. According to them I owe {$790.00}. When i told why did this never show up in my credit report? I was told that whennit sold to a 3rd party i might not show. Im not sure if they are the real thing.
I am still being harassed by Midland Fund with a collection claim filed on XX/XX/XXXX with the credit bureau agencies by this firm over an alleged {$1200.00} debt. The date of last activity by the original creditor was XX/XX/XXXX. The status of limitations on this debt has long expired. The original creditor is XXXX XXXX XXXX XXXX. The State of Limitations on this alleged debt, even should it be mine, is 4 years in the state of California. 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I 'm sure this firm is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that Midland Fund has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 
The exact statute : [ XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) The legal status of the alleged debt, and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also convinced that Midland Fund does not have adequate documentation to prove in court that it has the right to report this negative information on my credit report, and therefore is in violation of the Fair Credit Reporting Act as well as the FDCPA. Midland Fund is not lawfully entitled to report this information and I request an investigation. 
Under the FDCPA I am also invoking my right to ask you to delete this alleged debt report from the credit bureaus and send the Consumer Financial Protection Bureau notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I am trying to purchase a home as a first time buyer and this record is affecting my ability to do so. It is in my family interest that I need to have this issue resolved.
I would like to know where I can go to get help with Wells Fargo Home Mortgage. I was wrongfully foreclosed upon in XX/XX/2013, I believe I am part of the group of home owners that Wells Fargo foreclosed upon due to a computer glitch. I believe my account was reported incorrectly and would like some guidance.
This company sent me written communication about an alleged debt that I have with another company. I called the company and requested validation of this debt and they were unable to provide that. They stated that the account left their office 30 min prior to me calling in regards to the debt.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.
XX/XX/2017 After the hack of Equifax, over a 100 million Americans social security numbers were hacked because this company has no proper authority to keep our social sec. numbers in their databases. This is wrong and one of the problems with companies like this not having good security protocols.
My credit report with XXXX is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.
I have been recieving phone calls from XXXX for about a week daily yesterday i answered the call on the XX/XX/XXXX they explained too me i owed money for medical! so i paid the amount after a manager named XXXX said he could lower it due to hardship, originally it was XXXX he lowered it to XXXX XXXX charge and XXXX a 2nd charge .. to my card! after i checked my records and saw that none of my medical dets are listed under the same creditors i knew they were frauds! i have called over 20 times all night till morning and they hang up on Me!! today is now thre XX/XX/XXXX and it is XXXX ; XXXX XXXX i have been calling for8 hours and i get hung up on each time? ive stopped my credit card but my card company says they will get the money because i gave them my #, but they were dishonest to get it how do i get my money back
On Saturday, XXXX XXXX, 2015, I received an " Annual Escrow Account Disclosure Statement '' from Ocwen Loan Servicing , LLC for my primary mortgage that they service. The analysis stated that I could pay {$1000.00} to cover the balance that would be needed in the account. I promptly put a check in the mail on Monday, XXXX XXXX, 2015 for said amount. Several days pass, and I inquire every other day until finally on Friday, XXXX XXXX, 2015. After speaking with " escalation specialists '' on different occasions, and since Ocwen could not find the check, I put a stop payment on the check and provided payment over the phone. However, this payment was not applied to ESCROW, but to my principal. I called back the following week, several times to get it resolved, and the money was moved to a " Suspense Account '' and NOT to ESCROW. Enough was enough, I contacted an Ocwen XXXX and started the ESCROW closing procedure. There was a balance of {$1600.00} in this account at the time of the request, which was made the week of XXXX XXXX, 2015 via fax, ombudsman and USPS to cover all bases. The ESCROW account was closed before my next payment due on XXXX XXXX, 2015, and to their credit, Ocwen adjusted the amount of my payment drafted to only be P & I. However, Ocwen still had a total of {$2600.00} of my money at this time. Numerous phone calls again ensued. The week of XXXX XXXX, 2015, I finally receive a check for {$1000.00}, but I was still owed the ESCROW balance. The following week of XXXX XXXX, 2015, I received the ESCROW balance plus another {$1000.00} -- they overpaid me! After working and waiting for 2 weeks with an ombudsman, there is still no resolution. An inquiry into my account revealed that I finally have a negative {$1000.00} balance on my closed ESCROW account, and have not cashed the {$2600.00} check, but plan to on Monday, XXXX XXXX, 2015. I called Ocwen again today, Sunday, XXXX XXXX, 2015 and was told they have marked my account negative because " XXXX payments in the payments in the past 12 month period have been denied by the customers financial institution '' -- apparently, they finally received the check on which I stopped payment, and instead of looking at the notes on the account, they decided to keep trying to deposit it. I 'm not certain if this will negatively affect my credit or not. While this was going on, I have actively been looking to refinance with XXXX XXXX XXXX and hope to close the week of XXXX XXXX, 2015. With this pending action, my bigger concern is that there will be an over or under payment of the mortgage from the XXXX refinance combined with the money I owe them for the ESCROW they overpaid me, and this will take another XXXX 3 months to settle. I 'm also concerned with how they report my account to the credit bureaus once I pay off the loan. Simple processing and mathematics is lost on this company, and the Ombudsman have no way to contact the ESCROW department except via email.