WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I placed an order for a {$100.00} e-gift card on my XXXX 's account. At that time, my account was flagged for fraud. I called XXXX XXXX Fraud Prevention department and they cleared my account and tried to replace the order for me. However, after several attempts they were unable to do so but the charge of {$100.00} still shows against my account. I have called everyday ( sometimes more than once ) to try to clear this up, but no one at XXXX XXXX is willing to help. I just keep getting transferred to different departments.
Student assistance corporation calls XXXX days a week XXXX or more tomes a day. I have asked them to stop calls and contact me thru mail, the advised they can call XXXX times day even if they talk to me in the morning they will call total of XXXX times a day.
In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from XXXX attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called Pinnacle credit services not the actual original creditor XXXX. The letter states Pinnacle owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to XXXX XXXX or Pinnacle. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.
Recent app with Wells Fargo- I have been with XXXX/Wells Fargo since 1987, checking, savings, and in the past CD 's and securities. When I got sick and had to close all of these except for checking, they will no longer approve any kind of credit card because I have no current credit..I have insurance taken out for last ten years never had overdraft, only when I went on SS did they say I no longer guailify for credit
Yesterday, we received our Chase Visa bill, which contained a {$25.00} late fee and {$5.00} interest charge on a prior balance of {$430.00}. Trouble is, we had paid the bill in its entirety, and on time, as we have for the past XXXX years. When we received it, in late XXXX, I set it up for electronic payment with our bank for XXXX XXXX, a Friday. It was due on XXXX XXXX, a Sunday. The bank paid it on time, and when you pay electronically, the money is received a few moments after it 's sent
I applied for a IRRRL loan through CapWest Mortgage ( - A division of Prospect Mortgage located on XXXX XXXX XXXX XXXX XXXX, CA XXXX, Branch XXXX # : XXXX ) on XX/XX/2016. The loan officer convinced me that I would benefit from a Cash out Refinance to cover some of my debts instead of the IRRRL or streamline loan for which I had been approved on the spot based on my credit score. An appraisal was ordered for which i paid. I was told the appraisal amount and advised to sign the Acknowledgment of Receipt of Appraisal Report quickly so that they loan can be locked. This is not only strong arm tactics but I think the company owes me a copy of the appraisal report. 

Secondly, the company dragged my application from XX/XX/XXXX when I first contacted them till XXXX when my application was first submitted to their underwriters. In today 's market I can no longer get the kind of interest rates for which I was qualified ( 2.9 % ) XX/XX/2016. If my application was processed efficiently and denied accordingly, I could have had enough time to apply for a better rate with some other company before the rates went up. 

Thirdly, only XXXX credit agency was consulted before the underwriters rejected my application for a high debt to income ratio.
ON XX/XX/2018 MY BANK XXXX PULLED MY CREDIT FILE WITH EQ I THEN HAD MY BANK TO PULL MY CREDIT AGAIN ON XX/XX/XXXX AND XX/XX/XXXX XXXX  CAN NOT ACCESS MY CREDIT REPORT FROM EQ I CALLED YOU CANT UNDERSTAND WHAT THE REPS ARE SAYING I NEED TO MAKE SURE EVERYTHING IS ACCURATE ON MY REPORT SO MY BANK CAN TRY AGAIN TO PULL MY REPORT FROM EQUIFAX HERE IS MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX # C XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.
Roughly around XXXX 2016 Transunion had a glitch in their system which removed all of my inquiries! And the were re add back without written notification 5 days prior to re adding them! I know my rights and I would appreciate if you will help me enforce these rights
Have faxed information several times to Equifax dept of consumer affairs and they keep stating that they have not received my forms for ssn and utility bill but have received my disputes. this initial began on XX/XX/XXXX/17 and I was told I could not get a copy of my credit report until they received this information. Well I received a copy of my credit report. They are stating information is missing from the SSA 85 form which is their address. I corrected the information and faxed it over the last 2 weeks and they receive the other pages in the fax but not these forms. I believe someone is taking the forms out. I just want to take the fraud alert off and have my inquires and disputes taken off my credit report and they are n't allowing me to do this. if I mail the form I believe they are going to state they have n't received that as well please help
I got my loans thru  XXXX   XXXX  now  Navient.  I got  XXXX  loans total. But in  XXXX   XXXX ,   XXXX   it got to the point because of the interest and the payments that I had to consolidate  XXXX  of my loans. So i could afford the payments and get a lower interest rate. My interest was from  XXXX  to  XXXX . They were not willing to work with me and did n't care about my life situation. So i consolidated with  XXXX  which brought my interest down and my payments down and actually making a difference in my grand total. But I still have  XXXX  more loans with Navient and they are now at 10.5 % and they said they could only reduce my payment by {$30.00}. I 'm stuck in the payment cycle and not making any leeway. I have a full time job, i own my home, and have  XXXX  kids. I 'm trying to get out of debt and they are sucking me dry. Now i have to do a refinance and borrow against my house to pay my student loans off so i can make a difference in my financial situation. Please do n't let them do this to anyone else trying to get out of debt but stuck in the student loan repayment  XXXX .
I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have 1 of my collections listed as " medical ''?? but they " verified it, 2 '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
On XXXX/XXXX/XXXX I cashed a check at US Bank in XXXX, CA and found that {$100.00} was withdrawal on XXXX/XXXX/XXXX from our checking account in XXXX XXXX, CA. Fraud was committed! 
I spent 3 hours with my local branch and did not receive a resolution after talking with the chief officer, XXXX XXXX. 
The whole matter could have been resolved if she had checked my wife 's signature on file with that on the counter withdraw slip issued in XXXX XXXX on XXXX/XXXX/XXXX. 
My wife did not withdraw the {$100.00} because : 1. We live in XXXX, CA which is almost XXXX miles away from XXXX, CA. 
2. Non-stop flight time is 1.5 hours ; much longer for driving time : my wife does not drive! 
3. Scammer negotiate the withdraw around XXXX XXXX and earliest that he ( she ) would be in XXXX would be very past XXXX XXXX. 
4. We checked out at XXXX XXXX at XXXX XXXX and at XXXX at XXXX ; XXXX XXXX see receipts. 
5. We did not go to either US Bank on XXXX/XXXX/XXXX. 
5. Comparing the two signatures : fake and real : Fake : loop on XXXX is on the left ; rise from XXXX is up, slope on XXXX is slanted up ; XXXX is wrong : should be XXXX ; XXXX is run together, XXXX does not match. Real signature is the opposite. Check the enclose sample of both documents.
My Coinbase account got suspended from selling and buying XXXX, XXXX, and XXXX. I believe the error is due to a Coinbase ID Verification error which causes a mismatch with the Coinbase account name with the name on a linked bank account. I have $ 1,500+ on Coinbase which I would like to sell, however I have been locked out of my funds and can not contact support in anyway. Phones are busy, and emails and DMs on Social Media are not being responded to. Other seem to be having the same problem.
I am currently in a chapter XXXX bankruptcy which was filed inXX/XX/XXXX. The mortgage on my home was sold to Bayview Loan Servicing inXX/XX/XXXX. The real estate taxes on my home are escrowed and should be paid by my mortgage company by XX/XX/XXXX, and XX/XX/XXXX each year so as not to incur late fees. As my documentation will show the taxes on my property were not paid until XX/XX/XXXX which caused a late fee of {$330.00} to be assessed. The taxes for the second half of XX/XX/XXXXwere paid on time. This year the first half tax bill was again paid late. The taxes were paid on XX/XX/XXXX, which again caused a late fee of {$330.00} to be assessed. I went to the XXXX County Treasurer 's office today to get a print out showing the taxes for my property for the second half have still not been paid and there is a late fee of {$330.00}. When my taxes were not paid correctly for the first half of XX/XX/XXXX I spoke with my attorney for my bankruptcy about the matter. He said it is not legal for a mortgage company to collect funds for an escrow account and not properly pay the items escrowed for on a timely basis. At that time I was concerned that other money was not properly being accounted for by Bayview Loan Servicing. My attorney requested from Bayview a complete accounting of my mortgage payments and escrow account. We still have not seen that paperwork. It is my desire that Bayview Loan Servicing be requires to provide me with a complete accounting of the funds collected from the bankruptcy court and show in detail how they are being applied.
I'm sick and tired of Equifax removing the items then placing them back on my credit report. I was a victim of identity theft they won't allow me access to my online account I informed them I believe my ex who has my information is using my online account I've sent them request 10 times to update my address they have claimed they didn't get the info or when I fax they claim its not readable I've sent certified mail w/ tracking they claim they have no FTC report. One minute they correct the info then the next week the fraudulent information is added back to my report when I call about my own credit file that act like this is not my account. I haven't been able to get a copy of my credit report for years.
I 've tried several time to renegotiate the terms and conditions of my payment plan to LOWER my monthly payments based on my income. The offers that the company has extended would offer be well out of my budget based on other financial and medical obligations over the years, forcing me to place my loan into Forbarance/Derferment all the while it increasing the total of the loan because of the interest that builds. As an XXXX I 've been told about forgiveness programs that I 've applied for only to been denied. I 've tried everything that I can and would like assistance with this matter because I feel like my case has been wrongly handled according to the federal law that was passed back in XX/XX/2009. 

Thank you for your time and this opportunity to review my case
I received a letter notifying me that my mortgage loan will be transfer from HSBC to XXXX Mortgage, and now that I have received my first new statement it has a lot of legal fees added to my account, when I call the new mortgage to ask about it they said their charges from my previous company HSBC, if HSBC sold or transfer my account to an other company why they are charging me the legal fees if my account is NOT pass due or behind on my payments? I have actually been sending extra principal on my payments for the last 5 months, this is totally an abuse from this big mortgage company 's, this is just not right and is a robbery.
XX/XX/18 - ERC manganger XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Repeated calls trying to collect debt from a XXXX XXXX with a different SS #. 

My name is XXXX XXXX XXXX with a different SS # and different birthdate. 

Has been going on for years calling my cell phones ( XXXX ) XXXX, ( XXXX ) XXXX and the home phone ( XXXX ) XXXX
Account Control Technology began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : Account Control Technology XXXX XXXX XXXX XXXX, CA XXXX
In XXXX I entered into a mortgage modifaction with ocwen mortgage thank took several months to get after hundreds of phone calls and sending information that they required for the mod several times. I entered into the mod that was to begin in XXXX of XXXX. I was told to have an amount of money in the bank by fed of XXXX that they were going to withdraw on or before XXXX XXXX XXXX in witch they did. then the agreement was to begin making my need discounted payments in XXXX of XXXX. I made all my payments on line and on XXXX of XXXX it would n't allow me to so I called them and I was told by them that my mod was cancelled for not making the down payment I was to make in XXXX. So I told them at that time that I did make the payment and you took it out of my account on XXXX XXXX XXXX. They told me that I was not in the modifaction till XXXX XXXX so that is did n't count for that and they used that for back payments. At that point I could no longer trust or make any other deals with ocwen. I have made hundreds of calls to them that goes direct to XXXX and you can not understand any of them. In XXXX they pad locked me out of my home and still have not forclosed on his home and are every month reporting to my credit for not paying. I have all documents showing that I did everything I was told to do door this modifations including all bank withdraws contracts showing all the dated and a letter from them stating why the mod was cancelled. They have no right to stop this mod and are now holding my credit hostage and are still calling me to enter into another mod
I 've been a US Bank customer for many years. I 'm young and it 's still difficult to keep up with the changing methods and rules that the bank imposes on existing products. I was under the mistaken impression that the recent Reg E changes would prevent the bank from charging daily overdraft fees. What I find now is that they will charge an extended overdraft fee if your account is 7 days overdrawn. That 's a miserable thing to do but whatever, it 's {$25.00}. The deceptive part is in their notification of that fee. Once your account has been at a negative balance for 5 days they send you a letter to tell you in 2 days you will be charged a fee. Of course you ca n't possibly receive that notice in 2 days and the fee is already charged before you have an opportunity to bring your account positive. Giving someone a 0-2 days window before a fee will be charged is deceptive and unfair. I received my notice on XXXX XXXX to let me know that on XXXX XXXX a {$25.00} fee would be added to my account. Bear in mind this is after a US Bank autopayment overdrew the account ( and failed to make the minimum payment ). This practice would make it extremely difficult for someone to prevent this fee from being assessed. When I brought this up with the on-duty branch manager at the XXXX XXXX XXXX, XXXX, WA XXXX location, XXXX XXXX XXXX, she said since it was n't a " bank error '' she would n't reverse it. I asked did n't it seem like a deceptive act and she said no, this did not qualify under UDAAP.I asked how I could file a complaint with the bank she provided me the regular branch manager 's card with no additional information. I still do n't know how I can voice my concerns regarding this policy or practice with US Bank directly and XXXX XXXX was not at all concerned that I perceived my consumer rights to have been violated. In a single {$33.00} transaction ( which I had to set up or the account would charge a fee ) I ended up with a {$20.00} late fee ( because the {$33.00} was not enough to actually cover the payment, it pulled the " available balance '' instead of the payment perhaps due to an internal mapping error in their very old software ) and a {$25.00} " extended overdraft fee ''. Unbelievable.
I purchased a Chevy HHR for {$8000.00} and financed the vehicle through CIG financial in XXXX of XXXX. I made XXXX payments @ {$260.00} = {$4900.00}. My ex husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in XXXX, I started receiving harrassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was {$5200.00}. they claimed that the I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded {$500.00} up front, and monthly payments of {$250.00}. Although I am a single mom, with a child whose medical bills for XXXX totaled {$85000.00}, I took possession of the vehicle, paid the initial {$500.00}. I made XXXX payments @ {$250.00} = {$1700.00}. In XXXX, XXXX, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them. the representative I had been working with, XXXX XXXX XXXX, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now {$160.00}. Although the payment was lowered, the amount owed was not reworked as promised. I made XXXX payments @ {$160.00} = {$340.00}, bringing my total payments to {$2600.00} + XXXX = {$7600.00}. In XXXX of XXXX, the vehicle was totalled in an accident. My insurance company, XXXX paid CIG financial {$2600.00} to settle for the vehicle. This makes the total paid out for the vehicle {$10000.00} I have since recieved letters from CIG Financial threatening me with legal actioin and claiming that I owe a balance of {$2800.00}. They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession ( it was never physically repossessed ). They said that even if I paid it off, it would remain so. They have further made XXXX unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope ; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed ; none were ever late. This situation has caused me is XXXX ; I ca n't afford the {$2800.00} and I have no idea what I need to do to put a stop to this.
I had this account opened back in 2010 I only had missed one payment and the rest I made payments on time. Before I closed the account I made sure to paid in full. Its still showing up in my credit report as missed payment and its preventing me getting a good loan with my lender.
The pretender lender loan servicers opposing counsel responded to my consumer complaint on XX/XX/2018 attaching manufactured documents with scribbled signatures. Opposing counsel failed to provide me with the so-called notarized original loan documents because he knows the pretender lender loan servicer only has manufactured copies. When is opposing counsel going to be honest and provide me with color copies of the so-called original loan documents?
A property I owned was sold using eminent domain. The sales contract was put in on XX/XX/XXXX. The entire process was handled through court. During these proceedings the owner ( XXXX XXXX XXXX XXXX XXXX ) of the mortgage was identified on XX/XX/XXXX and the total amount due was determined ( {$49000.00} ). On XX/XX/XXXXthose funds were distributed through the court to the XXXX XXXX XXXX XXXX XXXX.

I continued to receive statements from Real Time Resolutions and they continue to report negatively to the credit report agencies. Real Time Resolutions ( a third party debt collector ) stated I still had a balance of approximately {$32000.00} and increasing, currently {$33000.00}. In XX/XX/XXXX, I called Real Time Resolutions to dispute the account stating that the account had in fact been paid in full. On XX/XX/XXXX. I received a letter stating they received a payment in XX/XX/XXXX but that a balance was still due. I disputed a second time and received a letter stating there would not being any further investigation as it was already investigated.

I have since found court documents confirming my claim and submitted those to the credit agencies and Real Time Resolutions. It has since been removed from XXXX, however it is still being reported to XXXX and it is affecting my ability to secure a home loan I am set to close on in the upcoming weeks.