WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a Wal-Mart XXXX credit card back in XXXX. I purchased an item last XXXX XXXX with my Wal-Mart XXXX card ; I ended up returning item for a refund a year later XXXX XXXX XXXX ) from the hardware store. In Spring XXXX, Synchrony Bank announces via mail to all cardholders they will drop XXXX in exchange to form with new merchant, XXXX. The hardware store, Lowe 's, returned amount back to the XXXX card with the old account number, still under the same bank, Synchrony. 2 weeks later, a representative from Synchrony Bank said that they received an overpayment of an accredited amount to my name in the form of {$260.00}. She stated that in order to obtain back that money, I would have to go to Lowe 's for the refund. Upon discussing for refund, Lowe 's in-store customer service rep stated their refund policy recompenses are sent back to cards and stated that they no longer have that money and then said to re-check with credit card vendor. I then called Synchrony Bank customer services, after XXXX attempts to retrieve XXXX Card information regarding where this money supposedly refunded disappeared to, they finally said that they could not help me anymore. Synchrony Bank claims that since they are no longer with XXXX, they no longer have any responsibility on the whereabouts to where this money got funneled to. Not given an explanation or attendant to whom I could speak to help me find a contact to tracking down a solution, it 's hard not to feel helpless in this situation. Since XXXX is the only channel to get this refund back, I hold them fully responsible for not taking any capable action to at least assisting me to get this money back. I have no other alternatives, just a concerned customer having an issue with a card I make timely monthly payments to. Thank you for your time.
Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.
XXXX XXXX XXXX sold my account to merchants adjustments servants. This is a violation of Hippa laws and my medical information shouldnt have been released to a third party.
Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.
Northland Group claims I owe XXXX to XXXX XXXX. This amount includes a fraudulent charge from XXXX XXXX XXXX in the amount of XXXX on or around XX/XX/2017. Several overdraft fees in the amounts of XXXX were also charged to account which stem from charge to XXXX XXXX XXXX. The transaction was disputed several times, a provisional credit was issued at one point, a rep with XXXX XXXX advised me as per an investigator that the claim was closed in my favor. The credit was later reversed, it appears that rep lied to me. Transaction was disputed several more times, never resolved. As I stated to XXXX XXXX  and a prior collection agency which attempted to collect on this debt, I did not purchase anything from XXXXXXXX XXXX XXXXXXXX and do not own a XXXX. The entire balance of XXXX stems from this one transaction which is fraud and will not pay. Northland Group apparently purchased the debt from the previous collection agency whom I do not have the name of, they were advised of the same information and that I refuse to pay.
XXXX XXXX XXXX, XXXX, XXXX, Education Loan being serviced is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX  XXXX XXXX, XXXX is servicing a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX I have written several letters to XXXX XXXX XXXX, XXXX to resolve this matter.
There were inquires that were removed on my credit report and were re added without written notification frca section XXXXXXXX
I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , XXXX , and Experian. asking to reinvestigate information. Experian sent me a letter saying it will no longer investigate this account. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XX/XX/XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX. the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.
I have a checking account at MB Financial and on XXXX/XXXX/16, my account became overdrawn. XXXX transactions came through totaling a negative balance of {$27.00}. The bank charged a total of {$110.00} in overdraft fees. I was unaware that I was overdrawn and made a deposit the next day ( XXXX/XXXX/16 ) for {$340.00}. I did not account for the {$110.00} and became overdrawn a few days after that. I received notice in the mail about my first overdrawn occurrence 5 days after the fact, but could not get to the bank until Monday, XXXX/XXXX/16. I immediately initiated a transfer of {$200.00} from another account on XXXX/XXXX/16 and {$180.00} in cash which was deposited XXXX/XXXX/16. The transfer did not show up until XXXX/XXXX/16. The tellers at the branch I opened the account at were not able to help me out and informed me I would have to wait for the branch manager, who was newly hired and in training, until his return on Thursday, XXXX/XXXX/16. I tried to get a hold of the manager via phone Thursday, but no answer. I then went in to the branch in person on Friday, XXXX/XXXX/16. By that time, I had accumulated another {$250.00} in overdraft charges for a grand total of {$360.00}! The manager would only agree to reverse XXXX overdraft fees totaling {$74.00}, however XXXX of the {$37.00} reversals boomeranged and so to date, I have only received XXXX {$37.00} overdraft fee reversal. So I am paying {$340.00} in overdraft fees so this bank could cover {$150.00}... If this was a loan on {$150.00}, and the fees were interest on that loan, I am being charged 225 % in interest! I feel this bank 's policies are deceptive and prohibitive and although I have been banking there for the last several years, once I get this resolved, I will no longer bank at XXXX XXXX. I am currently working XXXX part time jobs, XXXX of which is my XXXX, as I am presently also a XXXX XXXX XXXX. I do the best that I can and try to keep an eye on my accounts and although I was caught off-guard with allowing my account to be overdrawn, I feel this bank is very greedy and their fees are exhorbinent and excessive.
I reviewed my credit report and Ally has listed my XX/XX/XXXX payment as delinquent. My payment due date is the XXXX of each month and my XX/XX/XXXX payment was submitted on XX/XX/XXXX. It was not past due as indicated on my credit report.
SinceXX/XX/XXXXhave been reporting ID THEFT ALTERED PERSONAL DATA STEM INTO MY SONS IDENTITY XX/XX/XXXX, XXXX INVESTMENT mass mutual variable ASSOCIATES XXXX TEXAS TAKEN 50/50 SPLIT.
FORGED XX/XX/XXXXFROM XXXX XXXX XXXX XXXX FRAUD BY SALE AND TRADE. XX/XX/XXXX XXXX XXXX XXXX XXXX BY TEXT CYBER RAPE. FCC RELEASED MY TV TO XXXX XXXX. 86 AM 16. 86. My reports and complaint began XX/XX/XXXX. My statute ended XX/XX/XXXX .XXXX  constantly changing altering my info. Hard inquiries constant with out my permission. Have 4or more person using my SSN Exact matches. XXXX XXXX XXXX Aka XXXX XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX fraud add XXXX XXXX XXXX XXXX Texas.
XX/XX/XXXX XXXX two. Imy registered business XXXX XXXX XXXX XXXX CA. Sector insurance. XXXX XXXX XXXX XXXX XXXX AMUSEMENT.
IN MY CASE STUDY CRINES AGAIBST ME DISCOVERED ABUNDANCE ALTERED FORGED DEEDS CO.-CC RECORDING XXXX, XXXX, XXXX, XXXX  XXXX CAD! /TCAD POI : Brokers. XXXX XXXX XXXX AKA. AJ. XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX.AND XXXX ( XXXX ) Poi : XXXX XXXX. Or XXXX XXXX XXXX. Co worker goodwill Ind. XXXX Discover a fake financial with my SSN personal info. To this day Credit agencies says 1free a year XXXX not access online Deception with XXXX XXXX XXXX.
Paid purchase XXXX  one week later started double billing. Key holder To my stock apparently extremely equity extreme of violation occurs.
On XX/XX/XXXX - XX/XX/XXXX submission reports all federal state city corruption o
I was contacted on XX/XX/2018 By a company that said they were collecting on behalf of XXXX XXXX. I once had an account with XXXX and it had been paid off. Come to find out after looking at XXXX XXXX I owe them {$81.00}. 

This woman XXXX from Critical Resolutions Mediation or XXXX XXXX XXXX as per my bank statement ... she started rattling off my personal information. All the address I have ever lived at, my social security number, my date of birth, my drivers license number. They said they were in the process of suspending my license with the DMV and going to press felony charges against me and also garnish my wages by XXXX XXXX  because of this debt I owed to XXXX. I supposedly owed them {$1600.00} but they would settle for {$800.00} to keep me out of jail. I never had a call like this and believed them because they new all my personal info. Said if I wanted to see my kids again, that I would settle this up before I hung up the phone or they would process all this paperwork. 

After falling for this SCAM, I googled the company XXXX XXXX XXXX out of XXXX GA, and also Critical Resolution Mediation in XXXX NC, and both companies came up as a scam. I didn't know that debt collectors couldn't threaten you, I have never had a debt. I didn't even know this was on my credit until I checked this morning. 
When I checked my credit report XXXX did show up with {$81.00} and the debit collector was XXXX XXXX XXXX out of XXXX KS. Not these con artists ... 

Anyways they took my credit card info and said I had to make 3 payments to pay off the {$800.00}. They took the first payment already and I tried to get my bank to stop it and they can't. 
Please don't fall for this scam as I did. Now I'm out {$270.00} and I hope they find the horrible people that rip people off. 
These are the names, email address, and phone numbers that harassed me. They even called my children on their cell phones at school and told them I was going to go to jail if I didn't call them. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX is who initially called me XXXX The lawyer that threatened me and my kids XXXX XXXX XXXX ext XXXX The name listed on the receipt of my payment- XXXX XXXX XXXX XXXX
I have notified Experian of incorrect personal information. I also have called and they do not have live representatives. Their phone system routes you in circles without resolution or live help. 

My address is not showing correctly with Experian. They show an old address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. This incorrect address prohibits me from reaching them as their system is not able to validate me. 

In addition there are aka names listed that are not mine such as XXXX XXXX. 

They are also reporting that I have no active accounts but I have XXXX XXXX for a credit card and a car loan that they do not provide the current activity for. 

Please help me resolve this. My phone number is XXXX
I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX (  attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to my credit.
Received a letter on XXXX XXXX, 2016 from PNC Mortgage date XXXX XXXX, 2016 accusing me of not having insurance for my property and threatening to buy it for me. " Because unit owners insurance is required on your property, we plan to buy insurance for your property. '' First, they never asked me to provide proof of coverage. Second, they have their own insurance company which I believe is a conflict of interest. This company is not consumer friendly and should not be allowed to provide mortgage services.
This complaint is in response to complaint :  XXXX   <P/> I sent letters to company requesting verification/validation of this account via my signature. They responded on   XXXX     with a printed out form of account details. Still nothing baring my signature. They did not explain or indicate how this situation could be fixed.
23 year customer with Bank of America. 

Failed to update my address despite repeated requests. 

Froze and closed account with no notice. 

Will not promise to return funds until XXXX of XXXX. 

16 days with no money ( all my funds were in that account ) except {$3.00} in my pocket. 

And just before XXXX.
Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you.
I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/XXXX, XX/XX/XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date of status for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice 30 days after i made the payment they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
As of XX/XX/2019, my claim of fraudulent loan was addressed and resolved. 
I was finally removed from the fraudulent account and XXXX XXXX blocked access the account online. Finally. 
However, on XX/XX/2019, I received a notification from XXXX XXXX. XXXX XXXX added the fraudulent account back to my report. 
XXXX XXXX unresolved what was resolved. 
Why was I added back into account?
A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.
hello. My name is XXXX XXXX. I'm calling in reference to a fraudulent activity done on my online banking with Wells Fargo. The amounts were {$1800.00} and {$700.00}. The date this happened was on XX/XX/XXXX 2019.an ex-girlfriend of mine somehow got into my online banking account and transferred herself these two sums of money to her own account through the XXXX  app . I called the bank the same day after I saw an email so that my contact information was changed to her contact information. She must have gained access through this method. Wells Fargo denied me the claim because they thought I gave her my online banking information which was not true. I waited many days for them to resolution to simply be denied.I followed all the correct steps as far as a fraud case goes where I called in a timely manner close my accounts change my online information reopen new accounts and also filed a police report. My Wells Fargo claim number is XXXX. Also the XXXX city police report number is XXXX. I am upset that my bank will not retrieve my money from an unauthorized user fraudulently accessing my account.
Hello CFPB, My name is XXXX XXXX On XX/XX/2015 I purchased a single-family two-story house at XXXX XXXX XXXX in the city of XXXX. 
Before purchasing this house I was going to buy a house in XXXX XXXX but I was told by the XXXX XXXX XXXX agent XXXX XXXX, the XXXX XXXX XXXX XXXX and there was a huge sign on the property when I saw the house, XXXX XXXX a representative with Wells Fargo, XXXX XXXX XXXX a representative with the Housing Authority of the City of XXXX, that the property had a 10-year tax abatement. This was one of the main incentive that led me to purchase this property. 
I moved in paid my mortgage {$390.00} on time for a year. I started getting statements from the bank saying my mortgage went from XXXX to {$1200.00}. My neighbor and I went to the City of XXXX Treasurer Department. We met with the Assistant Tax Supervisor, XXXX XXXX, she told us there was no 10-year tax abatement for our property. She also said the proper paper work was not file within the 180 days. All the agencies involved are playing the blame game. I believe they all knew and they withheld this information from us. 
The bank set my loan up incorrectly, the account did not set up an escrow for taxes as you can see below therefore it cause me to go into foreclosure. At the closing on XX/XX/2015 the XXXX XXXX XXXX XXXX did not tell me there was not a 10-year tax  abatement. 
The bank did not do its due diligence they did not consider Regulations Y and Regulation Z when setting up my account which caused me to go into foreclosure. I sent payments to Wells Fargo and they returned the money in a check and a letter telling me they had to report this as income to the IRA. I thought when I signed the Settlement Statement ( Hud-1 ) it was a legal document that must be followed and upheld. I thought it was a contract. In that contract it had, No Tax Proration Applicable Currently tax exempt Property Im confused because according to this contract Wells Fargo has breached this contract. Based on the words in this contract why would they change my payment from XXXX to XXXX then to XXXX to XXXX I dont understand what they done but I dont think it was right. 
I would like for someone to help me because this is just unethical Behavior, all these agency just lied to us. I feel they set us up for failure. I remember a couple years ago when the banks had financial problems the government bailed them out, what about the common people like my neighbors and I. Who's going to bail us out? This is not fair that they continue to do predatory lending taking advantage of people and no one stops them. This is illegal what they have done to us. This situation just ruined our lives, and credit whos going to bail us out? Who's going to assist us? My neighbors and I are low to moderate income, we believed our house was a blessing and we wanted the American dream to become a Homeowner not to be facing homeless. 
Sincerely, XXXX
I have an unverified account from Diversified Consultants. I had previously disputed this account. I have never done business with Diversified Consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultants Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultants Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
This is not my debt because it was to be submitted to my insurance properly. They are not submitting properly. I gave them both my insurance information and they did not submit it to my secondary insurance. I called and gave it to the hospital and they never saved it. I called to ask them why they sent it to collections and they said they didn't have my secondary insurance on file, even though I had already given them all the information. I was wrongfully sent to collections. I talked to the debt collector telling them I do not owe this debt and it was wrongfully sent to them. They took my insurance information and said they would rebill it. I contacted my insurance and they are not getting the bills sent to them and they are just putting me in collections instead of properly submitting the bills. I do not owe this. It is not being handled and I do not owe this debt and due to improper handling of this account I was wrongfully placed into collections because I was told it was ok and the hospital would send it correctly to my secondary but didn't and just sent it to collections instead. This is not accurate billing practices.