WillisBack/dataset-financial-user-claim huggingface dataset:
I opened my citibank account on XX/XX/XXXX. I deposited XXXX on XX/XX/XXXX. 
I dd n't like citibank experience and decided to close my account. So I pulled my money on XXXX/XXXX/XXXX and deposited into my XXXX XXXX XXXX account using mobile deposit. It was posted on XX/XX/XXXX. Then I closed my citibank account. On XX/XX/XXXX it was returned. Now that my citibank is already closed, that money was not deposited into citibank. Both banks suggest me to contact other bank and noone is for sure about what happened to my XXXX money. Please help me
I had recently discovered my information was used to open a CapitalOne CreditCard account, which i never opened or gave anyone permission to open. I contacted CapitalOne and they removed the account from my credit files, but i believe that the account is still in bad standing with CapitalOne.
Back in XXXX, I was working with a gentleman by the name of XXXX XXXX from Wells Fargo while looking for houses. He told me I was pre-approved for a USDA loan of up to {$100000.00}. I found a house for well under that ( {$64000.00} ) In XXXX and began the process of applying for a mortgage. The closing date was set for XXXX. I had signed a loan estimate stating I was going to need about {$4500.00} for closing costs the end of XXXX. The amount of money I was going to need to close kept changing per XXXX and XXXX. One minute I would need {$4500.00}, the next it was {$6000.00}, then it was {$7000.00}. This continued to happen even after I signed the Loan Estimate. They all promised I would not need the entire amount, but I was to have it handy " just in case ''. I had decided to get a second opinion from another mortgage company. The gentleman there looked at my estimate and noticed quite a few unnecessary charges that were tacked on in random areas. He also noticed it was not a USDA loan, like my pre-approval letter stated. This estimate was for an FHA loan, which is why my closing costs were suddenly going to come out of my pocket. Unfortunately he was unable to help with getting me a mortgage because he would need to delay the closing date. Since the house I had wanted was a bank-owned home, delaying the closing date would cost me {$150.00} a day. Three weeks before my closing date I called XXXX because I had not heard from him or the Mortgage Consultant ( XXXX ) in two weeks to see the status. XXXX had told me he had quit over a heated argument with his boss and was no longer with the company. I was to report to XXXX from now on. XXXX was very hard to reach via phone or email. Once I finally had gotten a hold of her she told me I was STILL not approved for the actual mortgage yet, and the underwriter was requiring me to submit unnecessary paperwork such as my New York State LVT license. Even though I had not been approved for my mortgage yet, they had already ordered for me to pay for the appraisal on the house. XXXX finally called me back on XXXX/XXXX/16, she stated that the underwriter will not accept my mortgage contract unless I have {$11000.00} for closing costs because they will not approve me for the mortgage unless my personal loan of {$3800.00} was paid off in full, which has been on my record for 4 years now, and XXXX was well aware of when I was pre-approved. I do n't understand how the prices of my closing costs kept changing, and how I was even pre-approved in the first place. Since I was two weeks away from closing on this house by now, I was forced to forfeit the home. Being a first time home buyer I have become very nervous about buying my first home and I will not even look at homes from now on because of this experience.
I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.
I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing.
I got a call from the Cherrington firm in XXXX Utah and with out confirming they had the correct person the representative named XXXX provided the account details and amounts owed with out trying to make sure they had the correct person I do not have any documentation but I can get it and I do have a number which is XXXX
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
Back in XXXX I wasnt able to work leaving me in debt with all of my creditors, one being XXXX XXXX XXXX. During that time I was honest with all my creditors, I let them know I wasnt able to pay my debt because I was out of work. Even after I express that to XXXX they would call me every day threating to sue me. Fast foward to XXXX XXXX, here I am contacting all my creditors to pay my debts ; XXXX sold my debt to a collection agency who then sold it to stern adn stern pc. I contacted Stern and stern pc to pay my debt I reached the woman who was calling and threaten me before. I asked her for information on my debt this woman told me I owe XXXX $ I advised her that my debt with XXXX was only XXXX . She insisted that my debt was XXXX $ and she can go as low as XXXX. I then asked for information on the debt and why it was that much she refused to stend me information. I know my rights as a consumer so I reached out to XXXX and advised them the issue. XXXX is still report to my credit report through they sold the debt and this collections agencies isn't sending my information of the debt that I was trying to resolve. After speaking to the collection agency 5 businessday came and went and I never received infomation on my debt 1st violation. Now here we are XXXX XXXX I get a letter of garnishment dated after my disputed and investagation againist them giving me 20 days before they garnish my wages. That is violation # 2 this creditor filed to garnish my wages on an incorrect amount with no proof given to me or notices with the attemps to collect or even any information about the debt amount. Violation # 3 I filed a dispute this creditor is not allow to proceed with debt collecting activity while a dispute and investigation is taking place
Fifth Third Bank holds our mortgage. We refinanced several years ago and have paid our mortgage monthly, in a timely fashion. It is important to note that although we are given a grace period until the XXXX of every month to become current on our mortgage, this company would immediately start with robo calls on the XXXX or XXXX of every month. It was n't worth it to me, so I started paying my mortgage roughly on the first of every month. On XXXX XXXX, 2015 there was a change with my escrow account. I was not notified of this change in any form, so I made my regular payment in good faith. XXXX came and went without a single courtesy call, or letter to inform me that the amount I had submitted was n't enough to satisfy the account. I made my XXXX XXXX payment, still unaware of the escrow shortage. On XXXX XXXX I received a letter stating that I had not paid enough to make the account current. I immediately called the number provided and was told of the escrow discrepancy. I paid the amount due XXXX {$100.00} XXXX and was assured that the account was not in danger. I then received a letter dated XXXX XXXX, 2015 stating that my " mortgage payment is now past due and the loan is in default ''. Fifth Third Bank had already gone ahead and reported this late payment to the credit bureau on XXXX XXXX as a 30 day late!!! My credit score has now dropped from XXXX to XXXX!!!!!!! To make matters worse, I received yet another phone call from another branch of Fifth Third Bank stating that I had also missed my XXXX XXXX payment. Not only had I paid my XXXX XXXX payment, but I had also submitted XXXX payments of {$100.00} in order to satisfy the XXXX XXXX shortage AND the XXXX XXXX shortage. When they looked into the matter, FTB apparently did not apply my payment to my mortgage, but counted it as an additional payment to the principal because the payment was paid on XXXX XXXX, 2015. I have tried several times to reach the 3 people at Fifth Third who have vowed to help me, but no one answers their phone. I am still receiving daily notices that my mortgage is in default even though I have not missed a single payment, and I have satisfied the 2 additional escrow shortages. 

To add insult to injury, I was notified by XXXX XXXX that the terms of my Business Platinum account had changed. This is my business account that I run XXXX dollars through every year! My business grosses over 2 Million Dollars of business a year and we heavily rely on our credit to finance equipment, extend lines of credit and other needs. Thus the " trickle down '' of this credit nightmare begins! HELP!!!!
I was working on getting my loan payment lowered. After reaching a number I had.to give my debit card number. Once I did that the employee had to play a recording about terms and conditions. Before that I heard him clearly laugh out loud to his coworkes and say I got him to use a debit card. This concerns me. When I confronted him about it he stumbled upon his words before making some excuse up about its less paper work since its a debit vard and he was happy about that. I am worried he directed into some payment plan that will hurt me instead of help.
XX/XX/2018 XX/XX/2018 hurricane floremce made contact with the east coast. im XXXX XXXX military XXXX  in north carolina. the XXXX XXXX XXXX  was in the mall in XXXX NC it shut down after the hurricane so we then had no nearby store to pay our XXXX $ bill. the company would never let us pay on the phonein return this resulted in my credit going way down.
I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy.
I contacted this company many times explaining an ex husband used this account without authorization for a couple of years until discovered by myself in XXXX. He was making payments up until this point and it had happened with several accounts which were closed and charged offed. I asked them to correctly verify this account and provide detailed information. Over the past two years they just keep sending the same two pieces of paper XXXX stating dispute has been resolved and the other that has been verified. Verified with what. I have rave information from XXXX XXXX because they charged it off on my credit file in XXXX but could not find where I reported account stolen so they sold this account to a credit broker XXXX. According to the credit bureaus the last payment made on the account was XX/XX/XXXX so it has exceeded the statue of limitations for credit card debt in Kentucky that a collector can legally sue or collect so I ask that this collection company remove themselves from my file please. I have never verbally spoken to them since they have never accurately verified this debt
I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX EXPXX/XX/XXXX EXP-XX/XX/XXXXXXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX, XX/XX/XXXX-EXP, XXXX XXXX, XX/XX/XXXX -EXP Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.
A secretary at my job intercepted a phone call from a XXXX XXXX. XXXX XXXX asked to speak to the principle of the school I work in reference to a legal matter regarding me. The secretary simply forwarded the call to me. When she did so, XXXX XXXX repeatedly told me that he was going to come to the school and " remove '' me. He would give me no explanation as to what was happening, where I would be going or why? He simply implied that he was some form of legal person and would have a police officer with him to " remove '' me from my job. Obviously, this scared me to the point of a XXXX XXXX. I had no idea what he was referring to since he would tell me nothing except that he would be arriving with an officer to " remove '' me from my job. I asked if there was someone that I could talk to that could tell me what was happening. At that point, XXXX XXXX gave me XXXX XXXX 's phone number ( XXXX ) and said that I could call him. I called XXXX XXXX and he told me that I was to be charged in Pennsylvania with bouncing checks for defaulting on payments due this company. He proceeded to tell me that I would have XXXX counts. Each count could get me {$1000.00} fine and 30 days in jail unless I made arrangements to pay this debt from 2012 immediately. I explained that I had no money at this time and was still having financial issues. XXXX XXXX said that he would be able to stop XXXX XXXX from coming to my job if I could make a {$200.00} payment the next day and then {$480.00} by the end of month. I expressed my concern that I would not be able to get the money but XXXX XXXX simply told me if it was n't paid, I could choose a different payment arrangement but it would cost me double the amount. I agreed and gave someone my bank card info because I believed that a constable would come to my job and take me away for check charges. Additionally, the only part of the call that I was told was being recorded was the part where I agreed to pay the payments when I was transfered from XXXX XXXX 's extension to another. After calming down and researching on the internet, I realized that XXXX XXXX and XXXX XXXX threatened me and used incorrect information to scare me into paying them immediately, simply adding to my stress and financial difficulties. Additionally, I am not sure that I owe this particular debt. I called XXXX XXXX back around XXXX and told him that I needed a letter of verification but have heard nothing in response. I have had to repeatedly tell " someone '' and fax a letter demanding that they stop contacting my job over the last 6 months. My job does n't allow personal calls at work and they are getting tired of funneling calls regarding my personal financial woes. I do n't know how to stop them from calling my job, speaking to various people regarding my personal business matters ( NOT allowed ) and harassing me in this fashion.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. XXXX years after opening the account I got XXXX from XX/XX/XXXX to XX/XX/XXXX. While XXXX I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balence of {$1600.00}. Several months after returning from XXXX I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balence to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was XXXX and had all paperwork Including my military XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank
On XX/XX/XXXX I was notified by Nationstar Mortgage via first class mail my XX/XX/XXXX payment was past due and they were requesting payment. My monthly payment is auto debited and was reflected as paid on XX/XX/XXXX on my XX/XX/XXXXmortgage statement. This is the second time I 've been notified my mortgage payment is past due in the last 4 months, the first past due notification came from XXXX the previous lienholder. XXXX notified me in mid-XX/XX/XXXX their monthly Mortgage Account Statement reflected an incorrect total amount due and assured me via that letter no missed payment history or negative credit reporting was done. I 'm concerned as Nationstar has reflected non-payment, indicated there may be late fees assessed and possibly reported this loan as past due to credit agencies. To date I 've not received any communication from Nationstar regarding this obvious error and what steps are being taken to ensure customers are not negatively impacted. Thank you.
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX  Credit Report.
This company has left multiple messages stating that they 'll sue me for a debt. They left no file or reference number, and the one time I spoke to someone, I requested proof of the debt and have yet to receive anything. And states that they could n't do that until they receive a payment. I feel like this is a scam.
Bank Of America is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday.
I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      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   XXXX   XXXX   XXXX
I joined a startup company in XX/XX/XXXX as an XXXX. In XX/XX/XXXX I was asked by the CFO and CEO to open a corporate credit card, I chose the American Express Small Business Card and opened in the Company 's name. In XX/XX/XXXX, the company ran out of money and ceased making payments on the credit card. In XX/XX/XXXX I received a call from American Express regarding the outstanding balance of {$160000.00}, which I was aware of. However, on that phone call they informed me that I was personally liable for the entire amount. <P/>Again, I was not an officer of the company, but was just an XXXX that was asked to open a corporate credit card, which I did. I had no idea that I was personally guaranteeing the company 's credit card and that it would affect my personal credit and also potentially force me to cover the entire amount.
My personal information including my name, date of birth, Social security number and possibly my drivers license number has been compromised by a cyber attack on Equifax.