WillisBack/dataset-financial-user-claim huggingface dataset:
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Citi Mortgate is XXXX of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard XXXX to live.
On XXXX I ordered XXXX Supplies from XXXX XXXX for my mother and myself on XXXX separate orders ; with XXXX separate insurances. XXXX XXXX billed both orders under my account ; I called multiple times and gave them my mother 's Medicare and Tri-Care for Life Insurance information ; and each time they advised the account had been updated out of my name. 

Several months would follow and I would receive a bill indicating the {$370.00} was due ; I 'd call them up and go through the same process. Each time, they 'd assured me the billing issue was fixed. I believe I may have received a call back in XXXX in regards to the bill, which I thought was XXXX XXXX and explained again that they should have billed my mother 's insurances. Did n't hear anything from them since. I have not received anything from anyone either in regards to the debt still being taken out of my name. 

Last week XX/XX/XXXX, I applied for an unsecured loan and was told that I had an account in collections. After researching it on XXXX, I discovered XXXX XXXX had assigned it to a collection agency - Tri-State Adjustments , Inc . This was a surprise, I filed a dispute with XXXX in regards to the collection account. I have not received anything from Tri-State or XXXX XXXX on this issue. 

The medical supplies sent to me does not even fit ; my machine, the filters, prescribed mask, etc. fits my mother 's profile. Her name is XXXX XXXX. It has been three years and I 'm not sure they can bill Medicare now. XXXX XXXX call records will indicate my persistent attempt to get them to get this off my account and into my mother 's to bill her insurance. 

This has negatively affected my credit score and hardship.
equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.
I paid a balance due of {$340.00} to XXXX for a deferred interest promotion that was expiring XX/XX/XXXX. The check was mailed onXX/XX/XXXX and I notified the representative that the payment was in the mail via check. She told me they would allocate the payment to my account and allow up to 30 days until my check arrived.

My checked was mailed -XX/XX/XXXX and XXXX  did not post my payment until XX/XX/XXXX after the next interest period causing me interest fees.

When I spoke with the representativeXX/XX/XXXX after having received my new bill today XX/XX/XXXX my payment had still not been applied to the promotional amount. I had to request the allocation of the payment once again to the promotional balance expired XX/XX/XXXX. She allocated the payment to alleviate the interest charges but had I not phoned them it would have never been allocated and my deferred interest payment fees would have ensued. I was told it would be applied in 24-48 hours but not be allocated for 1 or 2 billing cycles ... .to my account. The total of {$59.00} deferred interest fees will be credit back to my account. I have 2 concerns : 1. How many customers have mailed payments for their deferred interest timelines and were not credited back their interest charges. Did all of the customers have to call again and request their payment to be allocated? I had already called and made conversation the amount being sent and what it was to be allocated for the first time, why was it not applied? 3. Why will it take 1-2 billing cycles for my credit to post to my account ... for more interest to be earned by XXXX a million customers ....?

2. Why did it take 25 days for my payment to post to my account ... could there be additional interest charges being gained by XXXX ... .to hold the payment? I was told it would show as a credit in 24-48 hours but why up to 2 billing cycles to show on my statement. Please investigate the XXXX   store card.

I
I pulled a copy of my credit report and the address listed for XXXX XXXX is incorrect. The address that was listed was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. A certified letter was sent to that address and it was returned to me as Undeliverable as addressed. I notified that credit bureau and requested this entry be deleted from my credit report due to inaccurate reporting. I pulled another copy of my credit report on XXXX/XXXX/2016 and the credit bureau just changed the address on my credit report.
I opened a Chase Bank Business Account in XXXX XXXX, CA on XXXX XXXX, 2016. The Business name is XXXX XXXX, XXXX. We funded the account with ~ {$30000.00} and the check cleared. 5 days after the account was opened I received a letter ( attached ) stating the account was being closed IMMEDIATELY because of " suspicious activity '' " or because we have n't received information that we requested from you. '' No information had ever been requested of me. 

I contacted my branch who referred me to a XXXX number. I called and attempted to verify what the problem was, but I was told by an employee that they could not tell me why the account was closed. I quoted them the letter, and they told me that, these were not the reasons but they could not divulge further information to me. There has been no suspicion of fraudulent activity on the account. The employee refused to provide her name or employee number. Finally, when I told the employee that I wanted to retrieve my {$30000.00}, I was told that they money was on hold and that I could not retrieve it presently.
I was offered a promotion and given opportunity to pay within 6 months without interest. I deliberately paid my balance down to XXXX from a XXXX credit limit so that my balance would not yield such a high interest prior to the 6 month period. I paid {$130.00} for the month of XXXX but when I received the XXXX statement the XXXX payment was entirely used for interest. I contacted the company and they said that this would be the approximate amount that I would pay on a monthly basis. So my response was " are you saying that t am paying this amount every month '' and she responded yes but offered an option to pay at least {$400.00} in a few days to avoid these continuous charges if I wanted out of this. I could not believe what I was hearing. I did not want to make payments because it would never pay the principle as long as I used this card. They continued to call me repeatedly meaning at least 5x a day. I took the call and was making an arrangement with them and there was a disconnect. I called at least five times to make some sort of payment consideration to of no avail speaking to a supervisor which offered no solution. They closed my account even though I was willing to pay the past due amount. They agreed that a representative mislead me. Now this communication has caused serious delinquency and credit reporting issues. The misleading phone call was on XXXX XXXX, XXXX. I also have tried to make contact with Synchrony corporate offices regarding this matter and credit card customer service said there is no number.
My Ex-Husband walked into a Wells Fargo branch to apply for a re-finance on his home. During the application process the bank obtained my information and ran my credit four times, as well as gave my ex-husband detailed information from my credit including my score and recent inquiries made on my credit. My name is not on his current home loan not is it on refinance application. I was never notified verbally nor in writing that this was taking place by Wells Fargo, and only became aware when I checked my credit online and saw the inquiries from WellsXXXX Fargo. I have no bank account, credit card, or outstanding loans with Wells Fargo, and as such it is a direct violations of the Fair Credit Reporting Act to obtain my information and illegally run it multiple times, as well as disclose private information to an Ex Spouse.
This complaint is regarding the Equifax security breach, wherein my information ( along with XXXX XXXX others ) was compromised in a cyberattack from XXXX through XXXX XXXX. The affected user accounts were not informed until XXXX XXXX.
My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason XXXX and Experian only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.
I have never had XXXX billing, and do not owe any charges for XXXX.
I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.
Portfolio Recovery constantly calls me. I have told them numerous times to stop calling me. They get very rude when you tell them to stop. They spoof the numbers they call from. When you attempt to call them back on that number, someone else is getting my call and has no idea what is going on. This is horrible how they solicit using other peoples information.
I am writing about how Bank of New York Mellon violated my rights during the foreclosure of our property at XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX they failed to give notice when they secured the rights to the property in auction on XXXX/XXXX/2016 the first notice we were ever given was a notice to quit the property that was dated on XXXX XXXX XXXX and served to us on XXXX XXXX, 2016 Bank of New York Mellon NEVER sent ANY correspondence to ANY resident at the address they were forcing an illegal eviction because they failed to serve notice of ownership. My complaint is that Bank of New York Mellon is the acting in an illegal manor as the Trustee holder of the Certificate of the XXXX XXXX asset-backed certificates, series XXXX I am not sure I understand the legal terms but if I understand it correctly Bank of New York Mellon is a trustee for an asset backed security and they bought the dead of trust for this asset. It is very unethical and I feel that they violated our rights. I am seeking action against the Bank of New York Mellon
H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.
I purchased a car because my XXXX XXXX engine blew up and the man who helped me finance the car wanted to be off the loan. I had finally got my credit score up since I am a survivor of XXXX and XXXX XXXX and was unable to finance previously. I let the dealership understand my position regarding this. It was very important to me to rebuild my credit and to make payments on time. 

The Dealership told me the wrong information regarding when payments were due. I have gone to Toyota Finacial and they said they can do nothing that I will have to go to the dealership and work it out with them. I have gone to XXXX of XXXX, TX and tried to get assistance regarding this issue. Prior to payments being made I went to the dealership to find out when they were due. Nothing was given to me other than a .com for Toyota Financial. Nothing more, no papers of when payment was due and where to make the payments. I have called the dealership repeatedly and left messages for the director of Finance to please contact me back and fix this. I have gone to the dealership where I waited for 1.5 hours to speak to someone only to be sent home. This problem is not getting fixed.

Tomorrow I plan on going to the dealership to please get assistance to fix this problem. Because of their error it has affected my credit score dropping 122 points. I AM A SURVIVOR OF XXXX AND XXXX XXXX I am trying to rebuild my life and my credit this has not helped. 

The reason why I agreed to this loan was because after 6 payments on time I would be able to go back to the dealership and my payments would go from {$350.00} to {$150.00} and the most of that payment will go to paying off the car.
INTRODUCTION On XXXX 2014 BORROWER applied and received a new real estate loan in the amount of {$300000.00}, from BANK OF AMERICA ( LENDER ). BORROWER was over charged by the LENDER in the amount of {$1100.00} for discount points for the specific interest rate chosen. The LENDER misrepresented the Good Faith Estimate ( GFE ) on the final XXXX statement. 

GOOD FAITH ESTIMATE ( GFE ) On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Interest Rate Conditions. See Exhibit XXXX attached hereto. The interest rate and the discount points were locked in at an interest rate of 4.625 % and a credit XXXX % or $ XXXX. 

On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Estimated Settlement Charge Summary. See Exhibit XXXX attached hereto. The Estimated Settlement Charge Summary also confirms the credit points in the amount of $ XXXX. 

SETTLEMENT STATEMENT ( XXXX ) BORROWER received a misstated XXXX settlement statement. See Exhibit XXXX attached hereto. 

LENDER IS ACCOUNTABLE FOR THEIR QUOTES LENDER is accountable for their quotes in a real estate transaction. The XXXX is a standardized document that list every expense involved in the real estate transaction and is presented to the borrower during the closing process. BORROWER was quoted in the GFE $ XXXX XXXX XXXX % of {$300000.00} ) discount points. 

LENDER wrongfully stated the amount in the settlement statement on page XXXX, comparison of GFE and XXXX. The XXXX line number # XXXX should be - {$3600.00} and not - {$2500.00}. See Exhibit XXXX attached hereto. 

0 % TOLERANCE If at the closing, any item in the 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. 
Charges that can not increase are : Origination charge # XXXX Credit or charge ( points ) for the specific interest rate chosen # XXXX Adjusted origination charges # XXXX Transfer taxes # XXXX It is clear that the LENDER over charged BORROWER by {$1100.00} by misstating the GFE and the XXXX with - {$2500.00} when the GFE clearing shows the amount should be - {$3600.00}. 

CONCLUSION If at closing, any item in 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. In this case the difference from - {$3600.00} and - {$2500.00} is {$1100.00}. 

In the event a LENDER misses XXXX of the tolerances in the GFE, the LENDER is responsible to pay the difference. If the tolerances were missed, the settlement can proceed, and the LENDER has 30 days to compensate the BORROWER for the missed tolerance. The LENDER has had over 30 days to compensate the BORROWER in the amount of {$1100.00} and continues to refuse to pay the difference. 

For at least these foregoing reasons, LENDER should pay BORROWER {$1100.00}.
Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX Trustee for XXXX XXXX ( was XXXX  XXXX XXXX then XXXX ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from Equifax saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent permanent XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been XXXX years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.
Capital one auto finance has been reporting my car payment late even when I 've paid on time. I 've asked them to remove the late payments and I 've just gotten a generic response back with more run around. All I want is my late payments removed once and for all.
I started these loans in XXXX for career training. they were supposed to be 15 year loans. 

At the time, I borrowed about $ 68k. I was directed to two forbearance periods, each less than a year, due to health issues ( XXXX with XXXX ). While recovering, the school I attended went bankrupt, and no schools in the area offered the same training, so I could not continue. SM " credited '' me about $ 8k of the loan due to that. 
Even then, I have been paying this since XXXX, and even with a " credit '' my balance is still {$58000.00} as of XX/XX/XXXX. Paying 11 years and the balance has only moved XXXX???? 

I asked Navient when my interest would be paid out so that the loan would eventually be principle only. They told me it does n't work like that. They charge interest on the remaining balance, so I pay interest in the payment, and then it is calculated again, and added to the bill. In the history of my payments with Navient, two recalculations have added over $ 8k to my balance! This is not a loan ... this is line of credit or a credit card rules! Loans are supposed to have a principle and a set interest charged for the amount of that principle ... this keeps changing. This is robbery! 

At this rate, I will be paying this loan forever and my kids will have to assume it! this is so wrong on all levels! 

I am a veteran, I pay my taxes, I have been paying the loan and in 11 years I have only taken XXXX off the balance????? 

Please help! This is a nightmare!
Fifth third bank has called my work ( a XXXX XXXX XXXX line ) on XX/XX/19 at XXXX. I spoke with a lady and told her she can not call me on this XXXX work line because I will get in trouble as well. She said where exactly would you like me to call because youve been avoiding and dodging my calls and I told her to call my cell phone. She stated it was a recorded line as well. Today ( XX/XX/19 ) I received another call from XXXX at the XXXX work line. I was not there but my XXXX   informed me that a lady named XXXX from fifth third bank is looking to speak with me.
Good Morning, My name is XXXX XXXX and I have been a customer of Bank Of America for over 20 years. Recently I called them to report fraud that had occurred on my account. They immediately told me they were going to freeze my account, have their fraud department investigate, and told me I needed to visit a local branch to open a new account and have my money transferred over. I followed all their steps and waited 2 weeks to get a response back from them regarding my fraud case. When I called to inquire about it they kept telling me to go to my local branch because they were having issues. I visited the branch at least 3 times during my workday and got the run around multiple times. After 2 weeks I got a phone call while I was at work from the Bank Of America fraud department that my claim was being denied because there was no fraud and that they would send me more information about the investigation. Not once in 2 weeks did they attempt to call me to get additional information about my account and what actually happened. They decided to close my case without gathering all the information and when I tried to call them they hung up on my at least 3 times. I asked for supervisors multiple times and yet they refused to connect me. Then they told me they would call me back with answers with 48 hours and they never did that. I decided to visit the local branch again and see if they could help. They called the fraud department and told them the same information about how they were going to call me back and get the investigator on the phone. That never happened. All these calls are recorded and I had to talk to at least 20 different people and explain the situation over and over again. On top of that my money was being held up by Bank Of America and fees were being assessed because they had locked my account. Also someone from the internal bank had changed my account user id and password without my consent. And each time I inquired about that no one at the bank could answer my question on who did it. This situation had been a total nightmare all while my money is still at the bank and I have no answers on how the fraud happened. They have treated me like XXXX, lied multiple times, and refused service. This is unacceptable and I had no choice but to file a complaint and escalate this. I'm hoping you guys can force them to do their job and stop giving me the run around. They messed up this entire situation and my account. I will not let this go!