WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
XXXX XXXX XXXX XXXX Chase bank has illegally frozen and restricted my bank account, for no valid reason. 

According to Chase bank, they had restricted/frozen my bank account due to a {$14000.00} check written to me by a family member. The check has cleared and the funds are in the account, but Chase bank is making unreasonable demands to un-freeze and un-restrict my account. 

As my family member and I reside in different states, Chase bank has noted in it's computer MEMO, that both myself and my family member must appear at a bank branch together and that my family member must provide to Chase bank XXXX forms of ID. 

At this point, Chase Bank informs me that the matter may still not be resolved, and that my family member may need to provide additional information to Chase Bank. 

My family member has NO fiduciary relationship to Chase Bank - the family member is not a financial partner with Chase Bank and has no account at Chase Bank. 

Therefore, Chase Bank is placing unlawful requirements on a 3rd party, in order to " release the funds '' of their bank customer. 

Currently, I XXXX XXXX am restricted from using my debit card for withdrawals and purchases, AND I can not enter a bank branch for withdrawals. 

The check from the family member has cleared and the full funds are in the account, held hostage by the Bank for arbitrary rules " Your mother must enter the bank branch with you together and show 2 forms of ID, plus additional documents IF needed '' and at that point, we will make a decision. 

Depending on which agent you are connected to at the XXXX call center, that agent will give varying information on what they believe should be done to un-suspend / un-restrict my personal checking account. Chase bank has no uniform code of conduct on this matter.
I am beyond disapointed by Bank of America they are nothing but liars and they have not helped me at all during this past month. A couple months ago I found out my account was closed, I called them and advised them that I currently wasnt working, but I would be soon be moving and getting settled with a new job and I would be able to settle my debts. I then asked the reprasentive the big question. Once my debts were settled would I be able to open a new account. The representative convinced me that if I paid off my balance, I would be able to open up a new account by the end of that week. So I pay the XXXX to make it right with my overdraft fee and the XXXX on my credit card with them. The week comes and goes and once I notice that the funds are out of my account I go back to the branch all I excited that things are comming along. I then get told that bank of america will never open an account with me again. Of course after that statement I was confused. Not only did the woman I spoke to earlier in the week say once I paid I could re open she never mentioned that my account also had supposebly a fradulent check that tried to be deposited. During that time of my life I was jobless and didnt have money comming in and Im not sure how it happned but my card was stolen. They told me to write a statement and my name would be removed from the XXXX XXXX   and XXXX XXXX. I also dared them to check out the survelliance for who ever diposted a check into my account because it was never me. It was theft. A month has came and gone and stilll no answers despite the fact I am constantly calling to make inquiries. I have no desire to ever have an bank account with tyrants ( BOA ). But the fact is I am a victim, I paid all my debts and still everyday I been getting nothing but the run around. If Bank of America is not willing to let me open another account, good riddance but dont mess with my livlihood, lie, give me the run around. Keep ur paid debts and give me back my XXXX name, Take my name off XXXX XXXX and XXXX so I can move on with my life, Bank of America is a self serving entity and I suggest you never choose them to be your home bank. 



-XXXX XXXX.
I logged in directly at their website to dispute an account on XX/XX/XXXX. The account in question is an XXXX XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that the account was " updated ''. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.
My husband and I applied for a Short Sale of our home XXXX several months ago because my husband received a job transfer XXXX with the same company he has been with for 13 years. Our home appraised for {$180000.00}, we owe approximately {$230000.00} on the mortgage. We received initial approval from our mortgage company, Bank of America to sell the home and we have a buyer ( offer was submitted to BoA on XXXX XXXX, 2016 ). We have a real estate agent and a real estate attorney working on the short sale with us. After some back and forth with BoA to negotiate closing costs, the real estate agents commission, etc we received a final approval of the short sale on XXXX XXXX, 2016. Upon reading through the documents sent by BOA, we noticed that a condition if closing on the short sale was that we are REQUIRED to be XXXX or more days delinquent on our mortgage, which we are Not. Our XXXX agent stated that the HUD/ FHFA issued new guidelines within the past few years stating that if you meet the defined hardships you do nit need to be delinquent on the mortgage. We meet the requirement for a job transfer more than XXXX miles away. ( This was already accepted by BoA. ) We have attempted to speak with multiple BoA representatives explaining the HUD guidelines in full, we either receive no call back or have been told they can not change the requirements. We have requested review of our case, Bank of America it would appear, refuses to adhere to the federal guidelines, instead continuing to tell us that we must be 30 days delinquent. Our short sale approval from BoA expires XXXX XXXX, 2016, we Must relocate asap. We also mist move XXXX by the end of XXXX. 
Please consider helping us in this matter, we have good credit and have worked very hard to maintain our mortgage.
I am re submit my complaint with Capital one Bank I have not had a Capital one Bank card. I had request copy of validation debit and the only thing I have receive statement and payment made at gram money for this o account. Until now I have never receive any paperwork or statement from this Company, My personal information has been used without my permission. I had send over multiple police and letter and fill out affidavit. I also send copy from my back account showing when I dispute an unauthorized transaction from this company. I I am sending all my paperwork also to CFPB
The Banks Chase  XXXX   XXXX   XXXX   XXXX  Ny  XXXX  would not  Return   Loist   Credit Cards Complaint  XXXX -  XXXX    New York State Dept Of Finicial Services
Recently, I filed bankruptcy. I have elected to keep my vehicle. To be proactive, I contacted the finance company, Santander to obtain more information regarding the process. After speaking with 3 separate representatives I have received 3 separate answers with how to resolve this situation. The final answer I received was for my attorney to contact Santander 's attorney so that the attorney 's could develop a possible plan. I was provided with a number for Santander 's attorney and then provided the number to my attorney. My attorney has contacted Santander 's attorney and to date has been unsuccessful with receiving a return call in order to begin discussion about this matter.
I did not take out a loan for school. I had automatic payments taken out for the high school program. When we fell on hard times and job was lost. I let them know we could n't do it anymore. As soon as the payments stopped. I stopped my schooling. They say I owe this money yet I KNOW I do not
I realized there was a debt on my credit from XXXX. I have never had a phone with XXXX or any services with XXXX. My father has the same name as me and he does have XXXX. I think the debt may belong to him.
I sent a let ter to National Credit Systems to vali date and verify derogatory information that is on my credit report o n   XXXX   XXXX   2017.  I have not received anything back from this company. I sent another letter the end o f  XX/XX/XXXX  wi ll still NO response.
I contacted Hunter Warfield about this collection/debt. They stated that someone name XXXX XXXX used my social security number. They stated that I needed to file a police report so I did. They told me to fax the paperwork to them and they would investigate and clear my report. I haven't heard from them and its still on my credit report. 
The amount owed {$5100.00} on XX/XX/2016
XX/XX/XXXX - I contacted the Equifax line that is supposedly assisting consumers who were victims of their security breach. I would like an extended fraud alert placed on my credit reports and they not only will not do so without a police report or other proof of my identity being stolen, they did not have a phone number for me to call to request it due to their inadequate security of my personal information. This is unacceptable. Why would I want a one-year identity service from them and then have to send them in writing that I want to opt-out of the clause to sue them for this breach and their release of my personal information. They MUST offer victims like myself an extended fraud alert on our credit reports and allow us to request and implement online, not in writing. This is the most outrageous display of abusing consumers who are victims of their negligence. Take action against this company and the " leaders '' who clearly abused their knowledge of this breach at the expense of innocent consumers. Allow us to protect ourselves IMMEDIATELY and at NO COST to us by placing extended fraud alerts on our credit reports online. Thank you.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I received a notice from this company informing me they were unable to verify the debt and that it would be removed from the credit bureaus along with the judgment to be removed as well. The collection account was removed from all 3 bureaus. However, only XXXX removed the judgment, and I had to contact them to do so. Either this company did not comply, or XXXX and XXXX did not.
: The Company '' is the lender, Known as XXXX   formerly doing business as XXXX, physical location in XXXX, KS at XXXX XXXX XXXX XXXX, now located on XXXX XXXX XXXX  KS XXXX I purchased a piece of real estate in XX/XX/XXXX in the City of XXXX  County of XXXX, State of Kansas, United States of America, XXXX and financed the sale through the above named entity. Through the entire time period of initial closing XX/XX/XXXX to the present, I re-financed my homesteaded real estate as approved by the Loan Officer, XXXX XXXX to improve my home and detached garage and shop building. The property is legally known as XXXX XXXX XXXX XXXX of " the Original City of XXXX. recognized by United States Postal Service as XXXX., measuring 60 feet by 150 feet. I met all requisite contractual payments until I noticed that the mortgagor, XXXX XXXX, could not account for an unauthorized withdraw from my checking account in the amount of {$250.00} in XX/XX/XXXX, an amount still not accounted for. I changed banking institutions to XXXX XXXX XXXX directing my XXXX  monies from the State of Kansas and Social Security Administration to be deposited to XXXX XXXX, and payments to XXXX be timely made from XXXX XXXX. Even though I submitted documents to XXXX XXXX from XXXX XXXX   officers rescinding automatic payments for the mortgage amount of {$450.00} and HELOC payment of {$160.00}, XXXX XXXX ignored these rescinding documents, causing several overdrafts, charging me overdraft amounts and penalties of an approximate {$490.00}, and held the payment of my Social Security XXXX  Income deposit of {$920.00} until I had paid their " electronic overdraft '' due to their error, not mine. In later court documents in the XXXX   Judicial Court, the railroaded rigged biased court ruling favored XXXX XXXX, the lender, without considering the violation of equal protection under the law of my own civil rights. I submitted an " Out of Time '' narrative to the Court, as instructed by the Hearing officer, to no avail. Though I requested a 'fair and impartial ' ruling praying for the wisdom of the Court, it appears the Court recognizes only the lender and not the consumer. In my opinion, in this case, the lender ( and company, is suspect ) and the consumer ( others like me ) are presumed at fault, especially when the lending company errored first, grossly breaking the contract thus losing Super Priority Lien status.
In 2007 I took out an equity loan with Bank of America for {$25.00}, XXXX. The original documents for the loan have been misplaced and after 9 years I inquired on the loan because it had been so long and figured I was almost done paying the loan off. I am a senior and currently on XXXX so I live on a very limited income. When I inquired on the loan I was informed that the loan would not be paid off until the year XXXX and it is my belief that I am being scammed. I was informed by the agent that out of my monthly payments only cents are going towards the principle of the loan. I asked for copies of all documentation to be sent to me because I wanted to see how much I have paid and how much has gone to the principle. I was not sent the information. I was sent what looks like an agreement that has my signature on a back page that is not attached to the agreement. I will not be alive in XXXX and this loan will continue to exist. I believe Bank of America purposely preys on senior citizens and I do not believe I have not paid anything towards this loan in the last 9 years.
What happened? 

I HAD A CREDIT CARD ACCOUNT WITH CITIBANK ( ACCT # XXXX ) THAT WAS CHARGED OFF IN XXXX OF XXXX. IT WAS PURCHASED BY XXXX XXXX XXXX ( FILE # XXXX ), AND WE REACHED A SETTLEMENT AGREEMENT OF XXXX. XXXX TOOK THE FUNDS FROM MY CHECKING ACCOUNT, ( 6 DRAWS OF XXXX AND 4 DRAWS OF XXXX ), BUT DID NOT SEND A SETTLEMENT STATEMENT. THREE YEARS LATER I RECEIVED A LETTER FROM XXXX AND XXXX, ( FILE # XXXX ) WANTING A SETTLEMENT FOR THE SAME ACCOUNT. I REQUESTED THE SETTLEMENT AGREEMENT PAPERS FROM XXXX BUT WAS TOLD XXXX NO LONGER HAS CITIBANK AS A CLIENT AND THEY DO N'T HAVE THE DOCUMENTS. I CONTACTED CITIBANK AND WAS TOLD THAT XXXX RECEIVED THE ACCOUNT ON XXXX XXXX, XXXX. THEY WANT TO SUE FOR THE SAME AMOUNT AS XXXX. ( XXXX ) THEY REFUSE TO ACKNOWLEDGE ANY PAYMENTS AND CITIBANK WO N'T SAY WHERE MY PAYMENTS TO THEM WERE APPLIED AS I WAS PAYING THEM 6 MONTHS AFTER THE CHARGE OFF. I WAS THEN TOLD OF THE LAW SUIT FILED AGAINST CITIBANK FOR THE SAME THING AND DURING THE SAME TIME FRAME. THE ACCOUNT WAS SOLD TWICE. FIRST TO XXXX AND THEN TO XXXX ( XXXX XXXX AND XXXX ). WHAT HAPPENED TO MY SETTLEMENT WITH XXXX AND ASSOCIATES AND ACCORDING TO THE LAWSUIT, CITIBANK CAN NOT SELL THE SAME DEBT TWICE. EVEN THE COURT DOCUMENTS LIST MY XXXX PAYMENT.
Per conversation with CFPB this morning, I was advised to respectfully request please attach all documents from case # XXXX to this complaint against Equifax Reporting Agency Credit Reporting company 's investigation ... into Creditor name/info, balance, payment, etc./ Account status -- Paid bill on time, account closed, etc./ Personal information-Wrong address, etc. 

Thank you. 

XXXX XXXX XXXX
On XX/XX/XXXXwhen my agent called the bank to check on our offer, we received a counter. The foreclosure sale date was on HOLD per XXXX XXXX  who is the file owner at XXXX. On Monday my agent sent in a new offer that was a FULL PRICE offer that met the banks net, and XXXX XXXX said she wouldn't be the person assigned. When my agent called TODAY she was told XXXX WAS INDEED still supposed to work it, but when my agent emailed her the documents she continued to write that she wouldn't work it. My agent called AGAIN today and was told that XXXX  was supposed to return my agent's call, but hasn't. I'm told it has to be postponed TODAY or else there is no chance of getting the foreclosure placed on hold, how can this be okay when we have a full price offer?
XXXX XXXX ( represented by Pressler & Pressler ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the XXXX this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

XXXX and Pressler 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that XXXX XXXX and Pressler were reprimanded for in their respective CFPB Consent Orders. There is no record of XXXX ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

XXXX XXXX has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

XXXX is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if XXXX chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.
Chase Receivables has ignored my continued requests for validation for an alleged debt in the amount of {$230.00}. On XXXX separate occasions I asked them for this validation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I sent certified return receipt letters ask for this validation that were verified as having been received. I have yet to get any response from anyone from this organization. Furthermore, upon receipt of my letters Chase Receivables did not mark my credit report as " disputed '' pursuant to the Fair Debt Collection Practices Act.
My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals.
Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the XXXX XXXX, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.
11 XXXX said that this debit would be fixed when I turned the I phones in that I had when I was a XXXX customer so I have returned all phones back to them and my name is still in collectors phones was returned on XXXX through XXXX shipping I have a shipping receipt XXXX XXXX and all the inquiries on my report I have not applied only one I applied for was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all others I contact the company and they told me they could not do anything for me to contact credit bureaus and I did but all 3 just like to ruin other peoples lives and names just because they have the power to do so I am asking for some help from you guy please because I havent seen anything happen or changed with my problems thanks help please XXXX
I attended XXXX XXXX to pursue a degree in XXXX XXXX. I graduated with an XXXX degree and was told that I would get a job right after I graduate and if I wished to further my education elsewhere it would accredited. That was all incorrect. I was lied to from the beginning and they took me for loads of money and I can not even do anything with my degree. So I am XXXX dollars in debt and had to get a job in a field that has nothing to do with my degree because I am so far in debt I can barely even make the payment. I am barely scraping by. XXXX XXXX has ruined my life and put me in a hole I do not think I will ever be able to get out of.