WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I filed a dispute for transactions that were not authorized by me to Netspend. All the transaction 's were done online and Netspend is refusing to do anything about it. I spoke with them on numerous occasions and every time I spoke to them they would not do anything to help. I spoke with them on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On the day of XX/XX/XXXX the 30th day of the dispute, I called to ask when the provisional credit would be applied to my card because they told me a provisional credit would be applied after 10 business days. The man told me that at XXXX. the system would update and that my credit would be on my card. He said he saw the credit and it was waiting for the system to update. By XXXX XXXX that night still no credit and I called them and they said my disputes were denied and that there was no error and they considered the matter closed. {$420.00} was taken from my account and they are refusing to do anything about it. I don't know what else to do. Please help.
Auto loan through Santander Consumer USA. Loan # XXXX vehicle VIN # XXXX Subaru vehicle. We arranged for the vehicle to be voluntary repossessed by the lender XX/XX/XXXX. After repossession we received a XXXX XX/XX/XXXX in the amount of {$5100.00} added to our XX/XX/XXXX income reason as " cancellation of debt ''. This amount was added to our XX/XX/XXXX income and we have paid additional tax to the IRS for this. 
Recently we received a form XXXX XX/XX/XXXX for an additional amount of {$4400.00} being added to our XX/XX/XXXX income reason " cancellation of debt '' FOR THE SAME LOAN AND THE SAME VIN #!!!!! We have already paid additional income tax on this loan. We should not be charged again for the SAME LOAN AND SAME VEHICLE!!!!
I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request.
in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.
I moved out of an apartment in XXXX in XX/XX/XXXX, where I was going to school, and took in all of the cable TV/internet equipment, and discontinued the service. All billing was paid timely. 

Many years later they are sending bills and have placed a collection item on my credit report. 

My permanent address, my telephone number, my email have not changed since XX/XX/XXXX. If they would have sent anything at the time, I would have eagerly worked to resolving or paying. 

They wait all of these years, until the records are all unavailable to throw this bill out there. They have offered nothing to validate this ; when asked, they simply send a letter saying the amount owed. 

If there are others with this same problem, I would like to do a class action lawsuit. Not for money, for relief. Companies should not be able to just bring up a 6 year old list of customers and send out bills to them, and not have to provide any documentation whatsoever to back them up.
After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.
On XX/XX/XXXX I called TRANSUNION to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also spoke to XXXX, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Duplicate mortgage payments were sent into Nationstar this month, rcvd XX/XX/XXXX and XX/XX/XXXX. 
Called on XX/XX/XXXX while second transfer was showing as still processing, Nationstar advised unable to stop/reject, would flag account & once received would be returned with 1-2 days ( next Monday ). No refund received, called back & was advised I needed to submit bank statement to rep 's e-mail showing the XXXX debits even though they could see the credits on their end & they would send out via XXXX. No refund rcvd, called them, was told sent on XX/XX/XXXX but no tracking #, told them XXXX has tracking # & I needed before business close, placed on hold for XXXX, I hung-up need to get back to work. They call and left msg they needed statement faced to them before they could send out. No one there can get their story straight! Credit vs check, e-mail vs fax, sent / not sent. By the time I get my refund the next payment wil be due & all my other bills will be delinquent! Either a bunch of idiots or liars, take your pick!
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS VANDALIZE IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
I am a JP Morgan Chase bank customer and applied for a HARP loan after a business bankruptcy. After 14 months of constant faxes and calls I was told the rate would never go above the current XXXX XXXX rate which at that time was 2.5 %. I was never told that after having a current mortgage, they would add all the interest, attorneys fees and all the bank fees which totaled {$35000.00} and the maturity date was extended 15 years. also the rate came back at 5.125 %. when I received my paperwork for signatures I just about fainted and after calling Chase was told if papers were not signed and received the next day foreclosure would start. I had no choice. So I went from a current loan to one that balance raised {$35000.00} and extended 15 years, I never would have that if I had been told this. Chase Bank is the most corrupt bank I 've ever dealt with. I was bullied into signing papers or lose my home.
This is a new issue regarding an ongoing foreclosure. In short, I 'm in the process of providing  one fin al piece of information that  Select Portfolio Servicing , Inc.  requested regarding a loan modification application that I completed on   XXXX   XXXX   XXXX  . As part of the completed process,  SPS  did take action to cancel a pending sale that had been scheduled for    XXXX   XXXX   XXXX   . In their letter regarding that cancellation,  SPS  indicated that the  XX/XX/XXXX  sale was canceled, and no further sale was rescheduled. They also said they would advise me in a new date was scheduled. However, on   XXXX   XXXX   XXXX  , the attorney representing SPS -   XXXX   XXXX   XXXX   XXXX   - filed another 'Praecipe Order of Sale ', and as a result of that Praecipe  XXXX  a new sale date of   XXXX   XXXX   XXXX   has been set, with a 'back-up ' date set for   XXXX   XXXX   XXXX  . In a phone call today with the ombudsman fo r SPS, t he representative,  XXXX   XXXX , said there was no sale date scheduled, nor an order of sale issued. I was placed on hold while she called the attorney firm mentioned above, and when she came back on the line, she confirmed that no date had been scheduled or ordered by their law firm. This is the second time in the past year that I hav e been working with SPS on the one hand ( the first time being validation of debt issues, which has still not been validated ), and on the other hand, the attorney group has filed an Order of Sale. This is a clear   illustration of 'dual tracking ' because I submitted a 'Facially Complete ' loan modification application on  XX/XX/XXXX , and yet, another sale date has been scheduled. On top of that, contrary to their earlier statement via letter, I have not been informed of that date b y SPS, an d only learned of it by checking th e Court dock et. Further, on their own monthly  statements to me, SPS reflects that only 1 foreclosure notice has been submitted, but that is not true since 2 have now b een submitted.     What would be a fair resolution to this issue?
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.
Was denied a purchase using my debit card. No notification was sent to my phone nor was any notification posted to my online account. The debit card transaction was at a store that I frequently purchase goods, 3 times in the previous two weeks. When I called Chase they indicated that they froze the account because they needed to verify a charge. If such urgent action is needed to verify potential fraud, then I should be notified and not inconvenienced of having my transaction denied and wasting an hour of my time shopping but coming home empty handed.
Back in XX/XX/2017 I opened an account with Speedy Cash. The credit limit I was given was {$700.00}. The amount of fees they charged made it impossible to pay it off. The monthly payment was extreme and only a very small percentage of it went towards the principal balance. I could not keep up with it. 

They continued to tack on fees upon fees. Somehow it ballooned into {$1400.00}. More than twice what my credit limit even was. They are trying to collect this amount through a collection agency named XXXX XXXX. 

XXXX XXXX is referring to Speedy Cash as their client in every letter I have from them. But XXXX XXXX is reporting to the credit bureaus as the collection agency owed the money. 

I see no reason for a {$700.00} line of credit to balloon to more than twice the amount owed. It is impossible for people to pay it off even when they try. It's impossible to know who I am actually paying when I get confusing collection letters and conflicting information on my credit report.
This complaint is being filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, currently representing XXXX XXXX XXXX in the Foreclosure Case against her No. XXXX ( Plaintiff : Santander Bank ).

We have been assisting XXXX XXXX   throughout a Loss Mitigation Process as she works diligently to avoid foreclosure and resolve her delinquency. All documents requested by the Servicer ( also the Plaintiff, Santander Bank ) have been provided and it has been confirmed all documents have been received.

Santander Bank is not accepting the format on which XXXX XXXX gets paid. In an effort to assist the Servicer to verify income, we have provided supplemental income proof ( XXXX Employer Letter and Tax Return ). The Servicer refuses to verify income for XXXX XXXX  and they continue to ask for Pay Stubs to be provided in the specific format they request.

XXXX XXXX XXXX has no other way of showing her income. Her employer will not modify their Pay Stub format for a Loss Mitigation Review. We believe it to be in bad faith that Santander is not considering any alternate way of income verification.
all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with equifax, XXXX and XXXX countless times with no luck
XXXX days ago XXXX Wells Fargo contacted me and said he could help me with HARP. Basically I owe {$160000.00} on my house and he was going to put me into a new loan for {$210000.00} and now money was coming to me. So I told him I did n't want to take this loan I am afraid that he will robo sign the documents and force me into this upside down loan his email address is XXXX
I made a payment of {$73000.00} to Citizens to pay off my loan via electronic transfer from my bank. I also made a {$50000.00} payment on the same day. The {$50000.00} payment was immediately credited to my account. After 8 days, they have still not credited the {$73000.00} payment to my loan. I have called multiple times over the past week and after hours on hold I've been hung up on multiple times. A customer service representative told me there is no department to handle these issues. Another told me that there is a department, but they don't have a phone number or email. One told me to call back in a few days, another told me that I should contact the institution where the money was sent from which I did. The sending bank confirmed that the electronic payment was sent. Citizensbank is understaffed to the point where they can not serve their customers or research issues.
On Monday, XX/XX/XXXX 2017 and man by the name of XXXX XXXX called multiple acquaintances and family members of mine, leaving them voicemails with claims that he was calling to resolve " Allegations made against me ''. When he was able to reach one friend of mine, XXXX XXXX, XXXX XXXX identified himself as an attorney. When I called XXXX XXXX to find out why he was harassing my friends and family, he gave false amounts owed and originated on a business loan taken from XXXX Additionally, he gave multiple indications they would be filing a lawsuit against me and indicated different timelines. This individual and company is harassing both myself and my friends & family and is falsely identifying themselves as attorneys and leaving derogatory voicemails indicating that I am facing some sort of legal allegations. His voicemails were ambiguous as to lead one to believe I was facing some sort of criminal allegations. They unnecessarily concerned my friends and family.
In XXXX, we tried to do a loan modification when my husband 's income had taken a {$4000.00} a month cut. I paid the mortgage for an entire year to keep us going but the first loan alone was {$7500.00}. I couldn't continue without his help. It was an interest only loan. We were promised a modification verbally then would receive a written notice that the file was closed. We were promised a call with decision makers after that only to receive calls from workers who said they didn't have the authority to make decisions. We were constantly given the run around. My husband finally claimed bankruptcy to accelerate a modification to come to fruition to no avail. Wells Fargo actually flew 7 higher ups to meet us for a conference only to tell us they couldn't do anything. We continued to try for years. I finally left my husband almost 4 years ago and notified the attorneys for the bank as well as executive mortgage services of my new address. I informed both that my soon to be ex husband does not open the mail and does not inform me of anything going on. I asked that all correspondence regarding our home and foreclosure be forwarded a copy to me. I received nothing. In addition, I started a short sale last year that at first my husband agreed to but then refused to cooperate. I was continually in touch with a contact at executive mortgage services. It went nowhere because of my husbands refusal to cooperate. My divorce attorney couldn't do anything because nothing was happening with the house. On Monday XX/XX/XXXX my Soon to be ex husband notified me that he had received a notice from Wells Fargo informing him of a foreclosure auction date of XX/XX/XXXX. I immediately called my contact at Wells Fargo to find out why I did not receive any notification and also to submit a short sale application that my husband was now willing to cooperate with and he did not return my call. I called 3 more times that week to leave messages to no avail. I faxed in a short sale offer to the bank as well. Today, I called a different number to find out my addresss was never changed, the contact I had was no longer in that department but never had the courtesy to let me know and this was his personal cell phone number that he gave me to contact him on all along. So I suppose there would be no recorded record of our conversations!

This foreclosure which was not my choice, will cause me many repercussions for my future. Had I been notified as requested all along, a very different outcome that was more favorable could have occurred. I am a responsible party on the note yet I was not notified of anything despite my numerous requests. I contacted the bank and was told they are moving forward with the foreclosure but will investigate why I wasn't informed. This may help their internal processes but does nothing to mitigate my severe losses financially, and otherwise.
I have contacted American Express on numerous occasions to informed American Express representatives that Im a victim of identity theft and I never applied for an American Express credit card account. Yet, lAmerican Express continues to hold me liable for fraudulent transactions of {$12000.00} on American Express account ending in # : XXXX. I contacted my 2 U.S. Senators of Arizona. I got in contact with U.S. Senator XXXX XXXX and XXXX XXXX, and Senator XXXX and Senator XXXX called me back and informed me they will look into the matter for me, contact American Express and have American Express delete the fraudulent account, charges and my personal information from their database and possibly call senate hearings, because they have received similar complaints about American Express from other constituents in their district.
The following accounts and credit inquiries listed on my ExperianXXXX XXXX  and XXXX XXXX credit report are fraudulent, unauthorized, not mine, and is the result of the XXXX XXXX XXXX breach discovered on XX/XX/2018 : Credit Inquiries : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018, XXXX XXXXXXXX XXXX  XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00}, XX/XX/2018, XXXXXXXX XXXX XXXX, {$7500.00}, XX/XX/2018.
I only found out about this supposed debt when I applied for a loan refinancing and was informed that there was a negative report on my credit. When I got the credit report from the three bureaus, it turned out to be a hospital debt that has been settled a while ago.

Aargon, the collection agency, never sent me a notice that I owed a debt. It just went right ahead with filing the negative report with XXXX and XXXX XXXX on XX/XX/2018 for the supposed debt of {$1500.00}. 

I called Aargon on XX/XX/2018 to inquire about their filing. I provided my full name and date of birth. The representative I spoke with told me that he could not help me because there are supposedly a lot of names similar to mine. He asked for my social security number which I refused to give for privacy and security reasons. I told him that I have never given hospitals or medical providers my social security number. Even Medicare has now changed the card it sends to Medicare members. It no longer shows the social security number. I could not provide him the file number because it was not shown in the reports of XXXX or XXXX XXXX.
Borrower took out a student loan with wells fargo - I am a co-signer for borrower 's student loan. Borrower is now living overseas. Problems with the borrower 's bank and wells fargo payment processing system leads to periodic payment lapses. When this occurs, wells fargo fails to contact the borrower and instead only contacts co-signer. This has been occurring since XXXX when the loan was in repayment status. For seven years I have been battling with increasingly higher levels of management at wells fargo student loan servicing ; they have always assured me that they CAN contact the borrower when this happens. Phone numbers and email contact for the borrower have been supplied numerous times to wells fargo. Yet this never happens and inevitability I receive a letter indicating this payment lapse. These notifications are always sent by XXXX mail to the cosigner and arrive while I 'm traveling, delaying receipt of it and corrective action. I have been further assured that calls would be made to me to speed up notification times, but to date this has never happened. Finally, 7 years later, wells fargo sends the cosigner a letter that they are not allowed to contact the borrower who is living internationally due to privacy regulations nor are they allowed to contact me via phone. Upon requesting a copy of those regulations, I 'm rebuffed and told that I need to identify those regulations myself - a ) why wells fargo are not able to contact a borrower living internationally when a payment lapse occurs, and b ) regulations preventing wells fargo from contacting co-signer by phone when borrower 's payment lapses.
I 've been steered into forbearance many times and not told about payment dates.. almost tripling my loans