WillisBack/dataset-financial-user-claim huggingface dataset:
My personal identity was stolen and numerous cards were opened in my name fraudulently without my permission. I called Capital One to make them aware. I believe the day I called was on XX/XX/XXXX. At that time someone from the fraud dept told me the accounts were being closed and they were sending me some information w/in 7-10 days. 14 days had passed and I still had not received anything in the mail. I called again and the mngr in the fraud dept told me someone forgot to mail the info out. The next day I received a call from a manager who claimed to be assigned to my case. I could not answer the call and he left a voice msg stating " the act has been reviewed and they have reached a desiscion '' ( I still have the voicemail ) At that point I immediately called them to complain because they had not sent me 1 letter regarding the fraud and I still had not sent them my police report along with other important information. I spoke to supervisor XXXX in the fraud dept who told me that no one should have contacted me stating that because the acts were still under investigation. I stressed to her that this is ridiculous that someone would call me to tell me this without having any information that I have in my hands. At that time she said that it would take 30-90 days before someone might be assigned to my case and she also stated to not do anything with the act. A few days later I received a notice from XXXX  that my credit score had dropped 81 pts due to being late on a Capital One act. This should not even be on my credit report due to fraud and now it dropped my score 81 pts. I have reached out to Capital One 3 times after this and as of today XX/XX/XXXX I have not heard back. I have attached police report that I have mailed into the XXXX  as well as Capital One.
I had a good-standing account with XXXX XXXX ( telecommunications company ) and was trying to transfer service to a new address after moving. They inadvertently canceled my service and closed my account. When I called to find out the status of the transfer service request they informed me of the mistake they had been made and explained that the only way to have service again was to create a new account. In doing so, they ran a credit check resulting in a hard inquiry on my credit which I did not authorize. This was not at all explained to me during the process of creating the new account. When I found out about the credit inquiry, I contacted both XXXX and also Equifax. Both attempts to resolve this and have it removed from my credit report were unsuccessful. Equifax even went into detail stating that any company that is given your SSN and information can run a credit check without your authorization, there is nothing you can do about it, and disputing it will not result in it being removed from your credit check. This is preposterous. I did not want this credit inquiry and I would not have allowed a new account to be created if they had explained to me what they had planned to do. There is no reason a credit inquiry should have been done on an existing costumer that already had a good-standing account. This was the second inquiry on my account in the past two years done for the same service. One by XXXX and now another after XXXX sold their company to XXXX. When I contacted Equifax on XX/XX/XXXX to initiate the dispute, they completed the investigation on the same day which proves they did not actually investigate the issue and generated an automatic response. When I tried to add a statement to the investigation result as explain in the report from Equifax, the website link they provide does not provide anywhere to include a response to your file. I have exhausted all available resources. I want a full investigation into this and want it removed from my credit report. I did not authorize a credit inquiry and was not provided with notification a credit inquiry would be done.
I had a Home Depot credit card for years with a high creditlimit and never fell behind, always made more the minimumdue and all of a sudden without warning I got a letter froma collection agency saying my card was shut off accountclosed and I owed my balance asap or it was gon na ruin mycredit. So while I was talking to the people I asked them whythis happen what have I done ive been a perfect customerand could n't tell me. So right then they said if you pay thisamount they will wipe it clean so I did exactly that.. Thereceived what they asked for within 5 days. so I calledhome depot I honestly was very devasted and could n't understastand what happened. So I called and called finally reachedsomeone back at the collection agency because home depotwould n't talk to me that because a user on my card XXXX who has never used my card or had possession ofa card filed bankruptcy, which he did n't fall through with hehad to do it over a short sale because the mortgage companywas being a jerk even though we had a signed short salecontract for more then what was owed to XXXX theywere being jerks ... So I feel that it is n't right that this happenedI did nothing wrong and his bankruptcy which can be lookedup was never followed up with we had to do it cuz alawyer told him too ... So please look over and help me out..Ido n't see why it should be bad on my credit report. I wouldhave taken his name off hes never used my card ever! Theycan check theres XXXX different numbers on the cards ...
I do have a Mortgage with NationStar Mortgage. After having them modified the loan in XXXX 2013 where I started making payment. On XX/XX/XXXX of the same year I have my XX/XX/XXXX payment returned. When I contacted them, they informed me it was because the mortgage went up and my payment was not sufficient to pay the new mortgage amount. I have never received any letter telling any thing about me that. Since then, the account is a mess and they have no desire to fix event though I made several request for that. Now I am afraid because I do not know when they will come and kick me and my family out of the house. To finish with this situation and have, my family and I, peace of mind, I decided to sell the house. It is at this point that I was informed that I have second mortgage on the house which I have never requested and know about it. Even if I sell the house for the amount of {$290000.00} I can not pay off the loan that was originally for about {$180000.00}. I like my house and it is the only one I have to live with my XXXX ( XXXX ) kids. I need help to solve this situation that last too long due to a miscommunication on the part of the lender. I did all I can but with no solution because the Mortgage Company does not want to find a solution even though I can pay for my mortgage. I work so does my husband. And with both income we can easily make our monthly payment, but NationStar Mortgage refuse all my proposition for solution. 
I have more to say about this Mortgage Company, but I save them for later.
On XX/XX/XXXX - I opened a savings account and a checking account wit

h Citi online. About a week later - Citi e-mailed me to ask for more personal info, including utility bills, credit card bills, phone bills, etc.
On XX/XX/XXXX - I faxed the documents back to Citi.

On XX/XX/XXXX - I received the new Citi debit card in the mail and activated the online access. I could see my new Citi savings account and checking account online. Later on the same day, I asked Citi online rep how I could meet the requirement for the opening account bonus by the deadline. She said I could wire the money in ( {$15000.00} ) from a different bank on the next day.

On XX/XX/XXXX - I followed Citi rep 's advice and wired {$15000.00} from my XXXX XXXX to new Citi savings account. Later on the same day, I realized I suddenly lost my Citi online access. So I called Citi, and the Citi rep told me the accounts were indeed approved yet they'd just closed my new accounts ( without a good explanation ).

On XX/XX/XXXX - I found out my XXXX XXXX  got the wire money reversed ( rejected by Citi due to closed accounts ) but only {$14000.00} was returned by Citi. I called both XXXX and Citi. XXXX rep confirmed that Citi took away {$40.00} when returning the fund. However, Citi rep didn't admit that they took away {$40.00} or find a way to explain why my new accounts suddenly got closed.

I searched online and found out that Citi indeed charged {$15.00} for incoming wire and {$25.00} for outgoing wire, so I'm suspecting that's how {$40.00} was lost : https : //online.citi.comXXXX XXXX I'm not at fault since I basically just followed Citi 's instruction yet they closed the account and took {$40.00} for rejecting my wire transfer. I hope that CFPB can help me resolve this issue with Citi.

The conversation with Citi rep on XX/XX/XXXX is attached.
Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.
Part of the XXXX Breach and Neglect from Chexsystems  my personal information was hacked last year XXXX 2016 with XXXX XXXX and my Checking account was Hacked and used to withdraw Funds from and Bad deposited Check and Chexsystems after numerous disputes has neglected and failed to properly verify my claim with the Bank and has taken sides with the Bank on a Fraud dispute and has not deleted this Fraud Account and Balance from XXXX XXXX from my file as a Result XXXX XXXX has been Advised to Cease and Desist all collections and Reporting on a Fraud disputed account.
Equifax told me I have a mortgage, considering the fact that I am currently homeless and on unemployment through the state of Texas would you be so kind as to give me the address to my house so I can XXXX out of the people who have stolen my identity please and move in to my XXXX house that apparently they qualified for with out my permission
My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX has placed an alleged collection on my credit reports recently. 
I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. 
Furthermore I was never given a notice of this debt nor my right to dispute it. 
I am asking for validation of debt, and proof of notice being sent to me. 
If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and XXXX is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.
XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
I applied for the Chase reserve card and was approved. I received the card, used it for 2 weeks and used less than 10 % of the credit limit. For no reason Chase decides to cancel my account. After contacting them over the phone, nobody will give me a reason for the cancel. This will affect my credit in a negative way because of the cancellation. Why did they approve the card in the first place if they were going to cancel it 2 weeks later?
If they ran across issues that they might have found ( that I 'm not aware of ), then why not ask for clarification? I 'd be more than happy to provide documentation or what ever else was required to fix what ever problem they found.
When my card was cancelled with no notice, I was out of town. I ran into some very serious problems because i did n't have an active credit card. Could n't rent a car and could n't stay at a hotel. I was stuck.
I received a letter in the mail from the bank I chose for my first home loan stating that my monthly mortgage payment would need to be increased because there would n't be a sufficient amount to cover all expenses in the escrow account. It went up almost {$200.00} a month. This is after 3 months of payments since we bought the home. Our property tax situation has n't changed so I find it concerning that this happened. Should n't all the calculations have been done by closing to give us a correct monthly figure?
I refinanced a property that is now used as rental investment. I communicated to the loan officer that I did NOT want any information sent to the rental address ( address of the loan property ) and to only send to my primary residence. Chase violated this request by sending documentation a couple times. The first instance was with the approval docs which I responded in writing to the loan officer reaffirming that I do not want any documentation sent to the rental address. Just before closing Chase sent the entire closing package that contained my PII as well as the amounts. Shortly after sending the closing package was sent to the address my tenant notified that they were stopping the lease then moved out at the end of the month. There is no way of knowing if closing information was a contributing factor in their decision to vacate. Also, I have no way of know what happened to the personal information that was sent ( Chase did not require any kind signature on the package that contained personal and sensitive information ). I notified Chase and requested they look into the matter. Their response was 'we apologize ' that this happened but we have determined there is 'no risk to you ' as a result of our disclosure.
I bought a motorcycle approximately inXX/XX/XXXX. The interest rate is 27 %. The loan is secured with the motorcycle, a XXXX XXXX XXXX XXXX and a vehicle I already owned, a XXXX XXXX. The company, Springleaf Financial has changed their name to One Main Financial. In XXXX I had a very bad XXXX   incident and had a severe deterioration in my health, such that I could no longer safely operate the motorcycle. Subsequent to that my medical bills started to drastically accumulate and it became a matter of who do I pay? I stopped paying on the loan inXX/XX/XXXX, and asked the company to settle the loan. They demanded I supply them with comprehensive information about my income and creditors, and shortly thereafter a rejection ( titled Settle Meant, which made me question their competence ). As part of my offer I offered to turn over both vehicles as they were the security for the original loan. They flatly refused. 
I've been getting shifting stories from the company. Last week they told me the loan was for {$10000.00} and I still owed {$5000.00}. When I asked the lady how much total money I'd sent them she said {$5000.00}. I said you must mean principle, I'm asking how much total money including interest have I paid? She repeated {$5000.00}. That's not credible. At the time I offered a {$4000.00} settlement ( if I could find it ) and they accepted, but that was before they told me I'd paid {$5000.00} total on a 27 % loan. A rough back of the envelope calculation is $ XXXX/month, for 54 months, is over 13,000. I'm sure I missed payments from time to time and my calculations are rough, but I'm quite sure that the {$5000.00} figure is bogus. Yesterday I called and asked some questions. They told me the loan was started in XX/XX/XXXX, also not credible. I have a picture of myself on the motorcycle fromXX/XX/XXXX. They told me the original amount borrowed was {$7400.00}. 
I'll be interested to know what story they give your agency.
PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER CREDIT REPORT.
I opened up a credit card made a payment with XXXX XXXX XXXX  account the following month I changed bank account numbers and deleted old bank account number. In XX/XX/2018Card company still used my old account to withdraw from account they charged me {$60.00} in fees after payment being returned. I contacted them and said it they had no control .... Now inXX/XX/XXXX I made payment and after using my new account ... I still get another fee for payment getting returned. I called credit card company again and they said they used a old bank account number that I put on an application years ago to make my payment??? Why? I never gave them that account number and with out my authorization they processed a payment from a account that I never gave them and that bank account has been closed for 2 years. They had my new bank account this whole time. They should be closed down trying to make extra money by adding payment accounts that don't exist to customers. Charging them fees.
i attended XXXX in XXXX, and used Genesis loan services, and would like to know if my loan was part of the XXXX settlement dispute,
Issue : 1. On XXXX/XXXX/2016 Bank of America charged me {$35.00} OVERDRAFT ITEM FEE FOR ACTIVITY and 1 week after, on XXXX/XXXX/2016 they charged me a second {$35.00} fee for the same overdraft, and they called it an " Extended Overdrawn Balance Charge. 
2. Bank of America informed me about the 2nd overdraft charged to my email address but they said they did not inform me about the first one. 

Desire resolution : Bank of America is charging twice the same fee in a week, therefore they should reimburse me the second fee. 
I have had this account since the year XXXX and I had never had an overdraft. They refused to waive the fees.
Around the beginning of XX/XX/2019. I tried to make a withdrawal from my PayPal account. I discovered that may account was limited. I called customer service and they told me to give them a copy of my bank statement. I did. Then after calling numerous times and put on hold for close to an hour each time. I am given a multiple choice question from PayPal, supposedly from the " public record. '' I did not pass the test and PayPal is literally blackmailing me by not releasing my funds of {$180.00}. 

I sell small items on XXXX  from my home. XXXX takes a cut and Paypal takes a cut of my sell. I had never had a problem with withdrawing my funds from PayPal until XX/XX/2019. 

The multiple choice question has absolutely nothing to do with my personal information on my PayPal account. It seems PayPal has a side business where they are gathering information on customers to sell to third parties. I do not like nor want to be a part of this. 

Paypal has more personal information on me than my bank and PAYPAL IS NOT A BANK. I have no credit or loan with PayPal. They only process the payment I receive from my XXXX customers.
I currently have XXXX private loans owned by NCT and serviced through AES. I proudly served in the XXXX XXXX and have been since deemed XXXX XXXX and I would like to apply for a XXXX discharge of these XXXX private loans. I 've contacted AES and they could not assist, they forwarded to NCT who offered no assistance. Who do I contact?
I am the co-signer of a loan for a XXXXXX/XX/XXXXXXXX XXXX XXXX ; a car leased by my daughter. On XX/XX/XXXX, she was involved in an auto accident and charged with a XXXX. This case is still in court and has not as yet been adjudicated. Around the time of her accident, her initial lease period was up, and not knowing what else to do, she verbalized a request for a six month lease extension. The car was impounded ( impound #XX/XX/XXXX ) and stored at a police lot. She was originally told that Chase would pick up the car and either have it fixed or auction it, or they would allow the police department to auction it. Three months later, we still don't know the status of the car as XXXX ( XXXX XXXX  ) the case manager.keeps telling us that she doesn't know what is going on with the car and has no answers to our questions. We have called her about eight times since late XX/XX/XXXX or earlyXX/XX/XXXX The only thing she tells us is that the bank 's attorney and the police department attorney need to talk to discuss what will be done with the car. This is told us despite the fact that my daughter 's attorney spoke to the DA, back in XX/XX/XXXX, and was informed that there was no issue with releasing the car and they sent paperwork to Chase months ago informing them of this. Meanwhile, they keep charging my daughter and expecting her to pay lease payments on a car that is no longer in her possession and never will be again. I feel that we are being held hostage by this situation, and no one is trying to resolve the matter in any kind of a fair or equitable way. Chase seems content to just keep stalling and keep charging us for a car that they seem to have no desire to do anything with except leave it in limbo forever. They have been anything but helpful and perhaps dishonest or at the least not forthcoming.
( To preface this may be nothing but it is from Seterus and I do n't trust them. ) Seterus sent a letter on XXXX/XXXX/15 saying there was an escrow deficiency, they discovered this because they FINALLY paid my insurance and property taxes ( which you helped me with ). I could pay {$1000.00} or just have it go on my mortgage as a higher mortgage payment. Old payment XXXX for P and I and Escrow XXXX new payment P and I XXXX Escrow XXXX and escrow shortage is XXXX with a new payment of XXXX. Not sure why the escrow went up almost {$20.00} and also a new payment of {$17.00} added on. I have read that they mess around with the escrow to rip people off. Total insurance and Prop taxes are XXXX. If they did n't get a payment from me in 30 days for the full payment they would assume I wanted it added to the mortgage payments. Address to send it to was Seterus XXXX. XXXX XXXX XXXX, CA XXXX. 
Today XXXX/XXXX/2015 I got a letter from them saying We recently sent you a shortage of Deficiency Payment coupon with an incorrect payment address. If you already sent your payment to the incorrect address, it will be returned to you. Please resend it to Seterus, Inc., XXXX XXXX XXXX : XXXX XXXX, CA XXXX immediately. To accommodate this, we have extended the due date to be 60 days from the original letter date with no late fee. Number they give is XXXX. The letter was sent from XXXX XXXX, XXXX. They have a physical address in XXXX Oregon, Payments to be sent to the address I gave you and Correspondence to XXXX XXXX XXXX XXXX XXXX. The whole thing seems very suspect. I wrote them a letter enclosing all of my correspondence with them and told them I was contacting your organization because they have been so slimy in the past. Thanks, XXXX
this is the 2nd time I have tried to get Experian to correct their information! I filed chapter XXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX I have previously provided a copy of the discharge to you in my previous complaint