WillisBack/dataset-financial-user-claim huggingface dataset:
I was the victim off identity theft, identity account takeover and merchant Spoofing of fraulent charges on all my credit cards. I first discovered this was happening in early XX/XX/XXXX and thought it was related to my wallet and cellphone being stolen in early XXXX and another break in into my vehicle on XX/XX/XXXX where they took my XXXX, phone, us and XXXX passports and credit cards checks and drivers license. Upon reviewing my statements in Ja usury and XXXX I noticed that although my credit card balance was about where it should be there was both significant more charges and more payments. In essence someone was making extra charges on my account and then using my checking account details to pay for it. As such I immediately reported the fraudulent charges to all my banks and most have refunded the fraudulent charges already. I initially indicated it was related to the two thefts in XXXX. At first I thought these fraudsters went to the stores with my credit card and successfully made a fraudulent charge. These fraudsters which included my former employee that I discharged in XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and later XXXX XXXX XXXX and others. They are very sophisticated cunning individuals that opened merchant accounts with XXXX and XXXX and fake stores that they could easily change the merchant info on the statement I receive using the XXXX XXXX. My bills would show fake store numbers. So when I typed in one of those fake store numbers XXXX XXXX, I discovered that thefraud started after another XXXX and phones were stolen in XXXX and XX/XX/XXXX. 
I then reported the additional fraudulent charges to my financial institution and most reimbursed those charges as well. DiscoverCard however requested I amend my XXXX police report or make a new one about the earlier thefts in order to get the reimbursement, I promptly made the additional report sent it to Discvercard but as of todays date have not been credited for the fraudulent unauthorized charges which Discover Card offers a zero liability. Discovercard also closed my account as when I caught the fraud I needed to close my bank account and the  fraudsters had been using my banking details in their attempt to prevent me from finding out or asking why my credit card bios are so high. These fraudsters were able to lock me out of my emails to.
Transunion and XXXX have over XXXX accounts on my credit report that are over 7 years old including old car loans, student loans-one which is paid in full, credit cards from 1999 etc. I have requested them to be removed and was told they can be there for 10 years when the law states 7. I want a review of my credit report for their inaccuracies.
We currently have an open CFPB Complaint # XXXX on a matter of dispute with our loan servicer, Pennymac. Despite the matter being in dispute, this company wrongly charged our escrow account {$600.00} for payment of a disputed appraisal. The company has patently ignored the bonafide information we provided them to validate our complaint ; neither have they provided the name of the appraisal management company involved in order that we have opportunity to contact them on the matter. There is NO reasonable justification in law or equity why we should be required to pay for a fallacious appraisal. We have notified the company that we dispute this charge. We feel that the company should be compelled to reimburse our escrow account in the amount of {$600.00} until such time as the appraisal is fully corrected and revised to include all comparable sales data we provided Pennymac and the matter is resolved through the CFPB process. The company 's wrongful action will now lead to a shortage in the escrow account resulting in an incorrect escrow analysis and payment adjustment. We note that this company had incorrectly established an escrow account when last they performed their analysis in XXXX XXXX. Despite our contacting them to revisit this, they did not, forcing us to do our best to calculate the correct amount needed for escrow each month and submitting roughly an extra {$300.00} per month to preclude a shortfall.
I am filing a complaint yet again against the Mortgage ervicing company Select Portfolio. 
I just received a call from them that my mortgage was being referred to a lawyer for foreclosure proceedings. This after I requested and did no receive the following information. A breakdown of all fees on my mortgage being number one. The info they sent me about this was completely wrong and had nothing to do with the accumulated fees. 
I had also requested that an original copy of the legal promisory note be sent to the lawyer they use to preform the foreclosure process, so that I may exam it and make sure they actually have the right to foreclose on me and to be sure that the original note is not out there somewhere else in someone elses hands and can come back to haunt me later. I demand to see the original and I have a right to see the original. 
I have absolutely no faith in this company working with me in an honest fasion and I would hope that they would be investigated for their practices. They tell you one thing then do another.
In XX/XX/ 2018 I was a victim of Identity theft. 
My XXXX XXXX XXXX banking account which I had on file was compromised. 
After several attempts to correct the issue I had to close the account and start a new account. 

All of bills were paid using this bank. This cause issues this payment to this card. I did get this corrected. But now I use my XXXX XXXX banking account. 

As a XXXX XXXX I was affected by the XXXX XXXX. With no income I did attempt to make a payment of {$15.00}, {$20.00} of what I could afford. 
I spoke to representative and informed them of my situation. 
I was told late fees would be added to the account. 

As I need time to get back on my feet. My husband is XXXX XXXX too so this XXXX affected our household. 

Also I was able to access the FTC site during the shutdown. It gives the information for Identity theft to show I filed and I have a case number. 
This program was shutdown at the time, I would like to get my account back on track. 
No card closure If u can see before I was able to pay with no issues I can provide any additional information as needed.
I received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt.
The credit card had additional cost for insurance incase of illness or accidents. I was XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.
Equifax is not providing free credit reports. I made attempts for a copy of my report as well as placing a credit freeze and received messages that those tasks could not be processed. I need to ensure the protection of my personal information, now. How can we do this.
My mortgage company , Seterus , Inc  XXXX , consistently charge an amount that is n't consistent with my records, claims that I owe additional charges in excess of {$2000.00} and refuses to provide any itemization as to the additional charges. The monthly statements consistently reflect an amount in excess of what I feel is owed. The principal amount is questioned. I wrote the corporate office to advise and request the same and have not had the matter addressed to my satisfaction.
I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.
My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet.
On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. 
I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.
I have been banking with wells fargo for 3 years, A few weeks ago a friend wrote me a check to help me pay off some debt, Its still unclear where the error was made but the check was referred to maker. Once my friend found out the check returned, i was given the cash I got to the bank to deposit the money and my account is frozen and referred to the fraud dept. This scared me because i 'm a hard working citizen and committing fraud it not something I do. So i call the fraud dept and i get the run around form many different reps saying how it could be corrected, One representative said i needed a letter from my friends bank stating why it was referred to maker. while other representatives and me to do other things the didnt get the hold removed from my account, during this time i have received fees for items that came back returned because i was unable to put the cash into my account. Wells fargo is saying they will close my account, and use the money in my saving account to cover it. This has been a disaster no access to funds, no banking account or access to my secured credit card.
In XX/XX/2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, XXXX, and Transunion, each of these accounts year to date credit reporting ends in XX/XX/2017. There appears to be no credit reporting since XX/XX/2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
I have numerous inquiries on my credit report with XXXX that I have continuously disputed. I did not apply for credit with these companies and would like the inquiries removed. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX,
Fair collections & outsourcing is reporting to XXXX  as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by XXXX XXXX credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by XXXX XXXX  credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXX XXXX   credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and  professional, and last one she put on hold and never answer me again.
Bank of America treated an outstanding customer with exceptional credit with horrible service. They took over 1 year to make a decision to deny my loan modification. This resulted in a payment now triple the amount. This delay prevented me from seeking other alternatives. They requested and re-requested information I had already sent for over one year. Further, Bank of America is encouraging me to default on my loan. Bank of America lied about the loan terms stating it was a 30 year loan and did not disclose it would change the terms after 10 years.
background report criminal section incomplete .All charges were dropped or dismissed.I sent the judges signed court order to First Advantage .They did knot add it to there report and said they would not change the report.
I set up automatic transfers from my Bank of America checking account to ( 2 ) separate Bank of America savings account, which I also own. The automatic transfers were schedued for every other Friday, coinciding with my payroll date. I 've had these transfers set up for well over one year and never had an issue. 

On Thursday, XXXX XXXX, XXXX, I checked my account balance and noticed that my account was overdrawn by {$270.00}!!! I immediately checked the transaction details to find that my scheduled transfers were processed early! I called the Bank and spoke with XXXX. She advised that if the scheduled transfer date falls on a holiday or weekend, the transfer is processed the day before. I asked her to send me a copy of the Terms and Conditions, which I supposedly agreed to, by email. XXXX refused, and told me she could n't do that. I told XXXX that I work at a Bank and I KNOW she can do that. She refused to provide a copy of the Terms and Conditions by email, so I asked to speak with her XXXX. 

XXXX 's XXXX, XXXX XXXX XXXX ID XXXX XXXX in Pennsylvania came to the line and was just as flustered as XXXX! She told me she could email the Terms and Conditions, but it would take 2 days. 2 days for an email sounds ridiculous - I 'm still wating. Further I asked her to read the sections of the Terms and Conditions which addresses my concerns. She read a section but could not tell me which section she was reading from and if it pertained to internal transfers scheduled by the consumer. 

I also asked XXXX XXXX why only three of the transfers took place, instead of all four. She said because my balance was low. Exactly! I explained that the balance in my account prior to any transfer was only {$17.00}, so if that 's the case then NONE of the transfers XXXX amounts {$25.00}, {$65.00}, {$200.00} XXXX should have taken place! She said well MAYBE it 's because I have a certain amount that the Bank allows me to overdraw on my account. So I asked how they determine which transfers to process first. She said it 's the highest amount to the lowest amount. Proves my point again! My largest transfer was NOT processed. Seems management at Bank of Amrica needs additional training. 

Finally, I asked both XXXX and XXXX XXXX to notate my account that I should not be charged any Insufficient Funds Fee because THEY processed a transfer on a date that I did n't authorize, and ultimately overdrew my account. They both refused to add the note and said that I would just need to call back if a fee was charged. 

I finally just transferred funds from one of my savings account back to the checking to avoid a fee. 

Needless to say, I 'm very very upset. The customer service I received was rude and inconsistent. Both XXXX and XXXX XXXX were very unknowledgeable.
Source  Receivables just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.
When I graduated college XX/XX/2014 I was under the belief that my loans would n't be due for 6 months after graduation. I remember getting a {$0.00} Due letter monthly from Navient for about a year. I believe this was intent to raise my total due without me realizing what was going on. I would check on that loan monthly, and then one month they billed me and said I had missed two payments. Totaling roughly {$800.00} with no warning on my account or through the mail. I am doing everything in my power to get these loans paid off but I feel them dragging me further down. After reading other complaints I know I 'm not alone.
I Refi 'd XXXX loans XXXXVA, XXXXFHA with Network Capital Funding after closing the funds ststed in the signed DOCs the funds were not distributed as Pre closing docs.. I was told they adjusted the fees and other Items after signing that was not in the closing DOCuments. Se Attachment for details. 
In addition rate discount fees were added from the original GFE, which at the time I did not catch at signing
I have a Bank of America issued XXXX credit card.This card has been used monthly since 1993. Until this month, XXXX 2015, the card has always had a grace period. This month a {$25.00} late was assessed on the due date for payment. I have excellent credit and always pay in full each month. At this time, I am having a difficult time finding a major brand credit card with a 30 day grace period.
Greeting, In XX/XX/2018, I received verified dispute results from Equifax, XXXX, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
We used New American Funding to obtain a conventional home loan for a home we closed on XX/XX/2016. 

The Loan Consultant for New American had originally estimated the annual property tax to be {$2900.00} a year when he issued us a loan estimate on XX/XX/2016. By the time we closed, the underwriter had readjusted the taxes down to {$1800.00}. Now that we have been in the home for a year we have learned that the taxes will be {$3100.00} and our escrow account has a severe short fall that will cause our monthly mortgage payment to increase by 21 % for the next year. 

The previous home owner was a XXXX veteran, was using the property for agriculture, and he was a senior citizen, thus he qualified for extensive tax exemptions. When the underwriter pulled the tax certificate for the previous owner they failed to ask the local tax office a very simple question, " Was the property receiving any tax exemptions? '' The tax certificate has a statement which reads, " If applicable, the above described property is receiving special valuation based upon it's use. Additional rollback taxes that may become  due based upon the provisions of the special valuation are not indicated on this document. '' If the underwriter had read the tax certificate and would have made a simple phone call they would have known not to change the original tax estimate that was provided by New American 's Loan Consultant. Instead, we are the ones penalized by their mistake. A 21 % increase in mortgage payment is unacceptable.

I have tried talking to New American but they do not believe they have made a mistake. They believe that the home 's reassessment is the cause for the gigantic leap in tax liability. They aren't reasonable and won't even acknowledge their mistake. The fact that their own Loan Consultant was almost spot on with his original tax estimate tells me that New American has a serious problem with their underwriting process.
My parent 's house had gone in to default as my father is a  XXXX  veteran struggling with  XXXX   XXXX . I decided to pay their mortgages to make them current and called SLS to get a pay off amount. They gave me the amount of {$10000.00} and wiring instructions to their account at  XXXX   XXXX  ; they informed me that the money had to be wired by Monday. I completed the wire transfer on Friday at my local  XXXX   XXXX   XXXX   XXXX  and thought all was well. A week later, SLS sent a letter listing the home for sale. In the following two weeks, they have refused to admit they have received the money and are also refusing to look for it. They have stolen {$10000.00} and are going to take my parent 's house without even attempting to look for this money.
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to XXXX, XXXX and Transunion and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX  / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX collection account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX  collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account