WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking/debit account on friday, XX/XX/XXXX. I deposited my paycheck of {$270.00}. I was told the funds would be available XXXX on the XX/XX/XXXX, the next business day. The mobile app gave the same info. On the morning of the XX/XX/XXXX, my balance still showed {$0.00}. I went to the branch. The first represantitives answer was basically, 'if you do n't like it close the account. ' VERY helpful. The second rep I spoke with was the woman who I opened the account with. She now informs me there 's a 1 week hold on all my funds. She tells me this is normal procedure. That 's not what she told me the day before. Now according to their app, my check was cleared and the funds made available and instantly froze my account for 7 days. Now I have no money, have no paycheck, and am left with the burden of traveling to work for a week with no money, food or gas. Their underhanded tactics and lies are going to cost me my job.
report number XXXX account summery : XXXX EQUIFAX XXXX I HAVE BN. SEENDING LETTERS TO EA.COMPANY THAT THE AVERAGE ACCOUNT AGE : 2YRS ... .. 9MO.

OLDEST ACCOUNT : 8YRS. ... ... 20 I CALLED AND ASK TO REMOVE THOS OF MY CREDIT REPORT .NEVER HAD THEM .I LIKE TO KNOW WHAT ARE THY FR. I WANT COPIES OF THES LOANS ...
Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.
XX/XX/XXXX I opened my checking account with Great Western with {$3500.00}. Starting in XX/XX/XXXX, sometime before the XX/XX/XXXX I tried to enroll for online access. I continuously got error messages. I emailed the company XX/XX/XXXX. They told me to call. I did so, and was told I could try again. It seems my account had been flagged for fraud and a hold was placed. After they confirmed my identity they told me the hold had been lifted. It was not. I exchanged more emails from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I tried again and called. My access was still barred.
I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...
There was nothing to explain further. I have been sending letters to XXXX   for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX/XXXX XXXX, XXXX XXXX ( account reported twice ), XXXX ( Original  Creditor : XXXX XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX
I enrolled both of my Capital One accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XX/XX/XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( proof attached ). The amount paid to XXXX did not cover the full Capital Once payment, and this resulted in a late status being posted to my credit reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was informed by Capital One and by XXXX that the accounts would " re-age '' in XX/XX/XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for both accounts.
I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
I recently viewed on my XXXX Credit Report a hard hit Inquiry by EQUIFAX MORTGAGE SERVICE. I do n't recall authorizing EQUIFAX MORTGAGE SERVICE to run my credit. I am not in the market to be a home.
On XXXX XXXX, XXXX I received a call from one of my banks asking if I was currently in California because someone with driver license just like mine was trying to withdraw money from my checking account. I was not in CA, so the bank stopped the transaction. After the call I immediately checked my other checking account with Bank of America and noticed that on XXXX XXXX and XXXX someone made 2 withdrawals from my checking account for a total amount {$8900.00}. I immediately called BoA and told them they were not my transactions and they initiated a dispute/claim # XXXX. I put an extra security monitoring on all of my accounts. Then I filed a formal identity theft report at FTC XXXX # XXXX XXXX, closed all of my existing checking and saving accounts, as well as credit cards. I also requested an extended 7-years credit monitoring by all three-credit agencies as a victim of identity theft. I requested a new driver license to be re-issued so it now has a new issue date and I have put a low enforcement alert on my driver license so no one can use now in an unauthorized manner. However, I have never received any correspondence from BoA that my claim is being disputed. After more than 68 days now XXXX claim was submitted on XXXX XXXX, XXXX and today is XXXX XXXX, XXXX XXXX, I have not received any resolution of the claim, not even any correspondence of a status of the claim. I have repeatedly called Fraud Department at BoA inquiring about a progress of the investigation of the claim and I was always informed that it is 'in progress ' and still unresolved but they would not allow me to speak to an investigator. I called them repeatedly and they always told me an investigator is going to call me within an hour but it never happened. I sent two formal letters on XXXX inquiring about the status of my claim to BoA headquarters in XXXX, FL as well as my local BoA branch in XXXX, IL, but I never received any response. I included my identity theft report and notice to furnishers in the letters informing BoA that they break the federal low ( claim resolution needs to be delivered within 30 days ). I never received any written confirmation from BoA about the unauthorized charges, I never received any response to my letters that I am not responsible for charges on this account. I have been a valid customer of BoA since XXXX and I have never had any problems/issues of financial nature with the bank. Other banks were able to protect my funds because they were able to recognize an attempt of identity theft. BoA has an extremely poor protection against an identity theft, yet they let their valid customers wait for months to have their stolen funds returned. This is not only scandalous, this is against the federal low.
I was with a loan company SLS and was told that my XXXX months will be at the end of my loan. Then with out me being notify and many calls to them following my loan was transferred to other loan company. So with thatbeing said now I 'm dealing with new mortgage company with loan being behind and in process of forcloser. This not a good for any XXXX to go through. The thing is I called SLS every XXXX to XXXX days and every person said it was getting taking care of. I feel each persons know what was going on did n't shave to deal with what was pride. This is not good customer service at all.
I received a letter dated XX/XX/XXXX stating I owed on an original creditor account number that was never mine. I disputed the debt in 2 separate letters, one sent by uncertified mail on XX/XX/XXXX. The other sent certified mail XX/XX/XXXX. I got a validation letter with a completely different account number in which I had already paid the original creditor and had a {$0.00} balance on. The collection company then said I owed interest of {$340.00}. Which they did not provide any proof or contracts that said anything about any interest that was due. Though they stated that I owed it to their " client '' even though I have a {$0.00} balance on the account with their client. Not only did they provide me with an incorrect original creditor account number to begin with and amount owed, they contacted me by phone before they even sent what they thought was verification of the debt owed. They decided to switch to the account number after I had provided them with the documentation I did not owe on the account. They have the incorrect date in which the account was paid. They just made up a number in interest and said I still owed their client. I don't owe them or their client any amount. They also contacted me by phone on XX/XX/XXXX where they left a voicemail. Any collection agency must state that the purposes for communication is to collect a debt. They failed to do so.
Navient is my student loan service provider. In XX/XX/XXXX, I was told by a Navient representative that I could apply for an income-drive repayment plan to lessen my repayment amount and I was informed of the paperwork needed. I was told that I would get a 30-day grace period and was specifically told the 1st payment would not be due until XX/XX/XXXX. I was not given a specific deadline for my paperwork to be submitted. I was also given a monthly repayment amount. 

I submitted the paperwork 2 weeks later, around XXXX. In XXXX XXXX, I received an e-mail confirming I was approved for my income-driven repayment plan ( which was suggested and selected FOR me ), that my monthly payment was approx. {$100.00} more than the amount provided to me in XXXX, and that payment was due within the next 24 hours. I called Navient immediately, and explained what the representative told me in XXXX ; that I would not have to begin repayment until XX/XX/XXXX and that my amount should be less than what was stated in the e-mail I recently received. I was told the previous representative gave me wrong information and there was nothing they could do about it. The previous representative FAILED to tell me that there was a deadline to submit my paperwork in XXXX, because one of my loans was close to repayment around the time I called Navient in XXXX and if my paperwork was submitted after the that loan entered repayment, I would no longer qualify for the 30-day grace period. Additionally, the previous representative FAILED to tell me that she was not including one of my more recent loans in her repayment calculation and that is why my repayment amount was {$100.00} more. I was led to believe the plan I selected would have a less expensive repayment amount, when it actually did n't. Now I am stuck struggling to pay my loan payments each month ( late ) because their representatives intentionally misled and misinformed me.
On XX/XX/18 I went to the transunion web site for a free credit report. I filled out the info and got my score. I then received an email saying that I owed {$19.00} and would get a recurring monthly charge for that amount. 

There was no indication upfront that I would be charged or that I was signing up for a monthly service. 

I called their support number and after 15 min or more of them telling me of all the great services this provided I was able to get my subscription canceled and told I would get my initial {$19.00} back after 3-5 days.

There needs to be a very noticeable warning that if you enter the info you're going to be charged. 

I am outraged that they can get by with this kind of deception!
An employee named " XXXX '' began contacting me while I was at work. I asked him many times to not contact me there because I could lose my job, due to the thirty calls he had made the previous day to my employer. He advised me that my work was a XXXX number and he has the right to continue to call over and over and over until he gets payment. This has carried on over the past three weeks and it has went way past them trying to collect a debt. XXXX calls and trys to trick other employees, acting as if he is a customer trying to place a take-out order, and requests that I, XXXX XXXX help him. As soon as I get on the phone, XXXX begins his harassing tone. I have advised him that he can call my personal cell in order to discuss the account NOT my place of employment. He is calling other workers and lying to them, saying that he just spoke to me etc. which in fact, he had not. He tells everyone whom answers the phone that they are liars when they inform him that I am not there. They hang up and he just calls right back over and over. He has been informed many times that this was a work number and I might lose my job. I also sent them a Cease all communications form ( I am working with a debt consolidator called XXXX ). The emailed response that I received stated because XXXX works for " XXXX '' and he is not an outside party, he can call me anywhere at anytime to collect this debt. I have lost my job due to " excessive personal phone calls ''.
This loan was an unsecured " XXXX XXXX XXXX '' that was originated through XXXX. It was then serviced by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. The loan was then sold a few times. In the midst of the moving of the loan, payments were marked missed that were actually simply misdirected. However, the BIGGEST problem is the fact that Ocwen Loan Service is listing this installment loan on our credit report as a mortgage loan- which it is not. This has prevented us from being able to get refinancing on our current home. We have tried everything to get Ocwen to report this correctly, to no avail. Please help!
My mortgage is currently serviced by Nation Star Mortgage. This mortgage debt was discharged in a Chapter XXXX Bankruptcy in XXXX. Since the discharge date, Nation Star Mortgage ( NSM ) has promised to re-establish a new mortgage note, but has never followed through. NSM has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX. Pro. No. XXXX, XXXX. # XXXX XXXX XXXX. XXXX. NY XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX XXXX. NSM is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. NSM has also refused to issue a restatement quote to me as well. They claim the balance due {$58000.00} and the past due amount is {$8700.00}. These figures appear to be severely distorted since the original loan balance was {$54000.00} in XXXX. I should be paying the loan in full at maturity in 7 years ( XXXX ). The overall distortion of the balance, payments and escrow are clear violations of RESPA as well. NSM has imposed a foreclosure sale date of XXXX and I do not want to lose my home. I feel cheated and deceived by NSM and I am seeking your assistance on this matter.
I 've been making the mortgage payments ( Chase Bank ) for my parents for over 10 years now. I make the payments in cash. My parents have moved out of the country, I attempted to make a cash payment like I always do and the teller tells me that I ca n't make a payment because my name is not on the account. She asked me to make a payment by either check or money order which means I 'll have to spend more money. I have the same last name as my parents, I gave the teller my ID and said that i still could n't make a cash payment. Please explain why this new absurd process of payment was put into place.
A default judgment for XXXX was entered against me because, the company ( portfolio recovery services ) asked the court to assume the debt was valid if I did n't respond within 30 days. I did n't, because I figured I 'd lose anyway. The amount I was sued for was a lot more than was spent on the card, & I had made payments before it defaulted. I have asked the attorney for billing statements to see the amount on it, but all I can get is the amount portfolio recovery services sent them that they said I owed. I would like to settle this for less than XXXX, but it 's been over 30 days since the judgement, is there anything I can do now?
In XXXX XXXX XXXX began servicing my energy loan. It was transfered from another loan servicer. The payment in question was sent to the old loan service and another transfered. XXXX is in violation of federal consumer financial law. 60 day grace for loan transfers. I have filed a complaint with XXXX and XXXX a XXXX XXXX XXXX at XXXX. Not fixed as of XXXX/XXXX/XXXX
Dear XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft or fraud. 
Account : XXXXXXXX XXXX # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. According to the FCRA the credit reporting agency has 4days to block a identity theft account. Please review ID theft report and FCRA guidelines sheet.
While checking credit report I noticed several indications on my report from XXXX XXXX. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc. Police report has been filed and fraud alerts placed on credit report.
It has been XXXX nightmarish episode after another with bbva compass bank. This bank organization seem much more interested in find a way to levy hefty and generous fees and giving away my money, than any thing else! It was XXXX consumer episode after another. I have been completely unhappy and felt abused in dealing with this organization. I plan on filing complaints with my congressional representatives and whatever federal agency I can find. This organization wants to engross themselves on the backs of the hapless and poor. Which I feel is very discriminatory in nature. Having money in accounts with this organization has been like putting gas into a car while it has holes is the gas tank. I will also be looking into hiring a legal firm to look into these business practices at this banking organization. There are probably a lot more small accounts that are suffering a the hands of this bank. I feel that this bank operates in bad faith and has been gross negligent with my account!
I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf.

I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. 

SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}
I reached out to these companies back in XXXX I disputed XXXX XXXX, XXXX and XXXX XXXX. I asked the companies to send me an original signed contract with my signature and they sent me these documents. I had XXXX XXXX deleted that was reporting XXXX but XXXX is still being reported. I reached out to XXXX  here and s a phone number for them XXXX Also there is a document from XXXX XXXX  that I attached I reached out to them as well and XXXX XXXX XXXX are reporting this account with no original signed contract with my signature.
I WAS UNDER LOAN MODIFICATION REVIEW TO BE CONSIDERED FOR A TRIAL PAYMENT BUT I JUST FIND OUT TODAY OVER THE PHONE THAT THEY DO NOT HAVE ANY PAPER WORK ON FILE I DO HAVE POST OFFICE RECIPT AND BACK ON XX/XX/XXXX THEY TOLD ME OVER THE PHONE TO WAIT FOR THE TRIAL PAYMENT AND NOW THEY SAID THEY DO NOT HAVE ANY MODIFICATION OPEN AT ALL THAT THE LAST ONE CLOSES BACK ON XX/XX/2014 THIS ANLAWFUL PRACTICES ARE GOING ON SINCE THEY BECOME THE COLECTORS ON THIS LOAN, ALWAYS ON A DUAL TRACK AND DECEPTIVE PRACTICES, MISLEADING ME OVER THE PHONE I NEED YOUR HELP TO SAVE MY HOME
On  XXXX / XXXX / 16 , I was referred to  XXXX   XXXX   XXXX  to have a   XXXX   XXXX   taken, The sample was then sent to  XXXX  for analysis despite the fact that  XXXX  was not in the network of outpatient testing facilities. The sample should have been sent to  XXXX   XXXX .   I am currently been threatened with adverse collections and credit reporting.
OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.
We just received the XXXX XXXX dollars that Citimortgage was ordered to pay home owners that were requesting help with their mortgage. We applied for HARP in XX/XX/XXXX, however we had requested help from Citimortgage two times prior, between approximately summer of XX/XX/XXXX and summer of XX/XX/XXXX, before receiving HARP in XX/XX/XXXX. Both request were denied without any financial review. Our mortgage was XXXX monthly before we were awarded the HARP, XXXX after the HARP was awarded. Are we legally entitled to compensation for the prior denials? Thank you for your time.