WillisBack/dataset-financial-user-claim huggingface dataset:
Mr. XXXX and similar situated consumers or Armed Services employees, has or having been subjected to Title 42USC 601 ( b ) is not positive law or enacted into congress and does not provide unwed mothers any entitlements or unenforceable rights. XXXX XXXX XXXX having been unjustly enriched from this criminal act, admonition use my confidential and personal information to obtain benefits or use XXXX services to date. XXXX entered in agreement with mother [ enjoiner ] in money mach ( " collectively '' ) to extort undue monies from uniformed personnel while defending the country. Courts having examining the material facts, mother conspired or acted with conspiracy with magistrate officer as body or corporation entering defective motion in bad faith, motive Office of Child Support to received and maintain federal funding. Courts shortly or directly after discovery previously reporting to ( OIG ) for  Fraud, Waste and Abuse provided Mr. XXXX a refund check of {$600.00}, obligated to maintain as part of agreement in disgorgement of funds and declaratory relief.
My complaint lies more with XXXX who never sent me a notice that a bill was due. They sold their information that was inaccurate to a debt collector XXXX. I did not find out until XXXX 2016 that XXXX was requesting a payment from me from the debt collector. I called XXXX and discussed what occured on the account with me canceling service and transferring service from my old employer to me. They informed me that it would be taking care of since it was XXXX error. They gave me a reference number XXXX along with the employee name. I asked if they were going to contact XXXX and make sure this was not reported on my credit bureau. XXXX indicated not to worry about it they would get it corrected and recall it from the collection company. I received notification in XXXX that a collection had been reported to my bureau in XXXX 2016. I contacted XXXX and spent 2 hours explaining what occured again! I was in the process of getting a HELOC and business loan this dropped my score over XXXX points. I had to postpone XXXX due to the drop in my credit score. All due to XXXX miskake!! They never sent a notice to my residence or tried to get a hold of me before sending it to a collection company. They claimed they sent the notice to my employers billing address. This could of been avoided if they would of called or sent a notice to the service address on record. XXXX billed me in error due to their employees mistake and even continued to do so after telling me they would correct the information in XXXX of 2016 giving me a reference number. They have informed me that I need to contact XXXX to discuss obtaining a letter and getting it removed. This is the worst experience I have ever had with a company and they do n't seem to care about the issues this has caused me personally due to their incompetence.
During this big Equifax hack, I am dumbfounded by how careless these people were with our most valuable information. I am sure some of my information is floating out there on the dark web, and I may never know it, or it will pop up and surprise me one day when my credit is wrecked, or my idnetity has been stolen. I do NOT take this matter lightly. This is an insanely serious matter that I demand compensation for emotional abuse. This has me worried every day in and day out. I can never stop thinking about who has my information, or when I will finally be compromised. I am a worrier, and this is an awful feeling to have as a burden on myself everyday. I know this has affected my health and my well-being, and I am demanding a decent compensation to make up for any prescriptions and life altering issues I have been going through since this and the XXXX XXXX debacle happened. Please take care of this compensation or I will go up the ladder and make this a bigger issue than it has to be. Thanks
Today, XX/XX/XXXX, I contacted Discover Financial Services ( " Discover '' ) to inquire on the undisclosed " fees '' that were appearing on my billing statements since XX/XX/XXXX as " fees charged ''. I was advised by Discover that this was an " optional product '' that acts as insurance in the event that I were to lose my job, become hospitalized, death, etc. Never was I informed of these fees and, not to my surprise, Discover 's representative advised me that there is no future open enrollment. Thus, Discover indicated and acknowledged that these " fees '' and this billing practice is false and misleading and in violation of UDAP. These hidden fees have never been accompanied by any explanation or any election of renewal or declination.
MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.
After cancelling my XXXX XXXX in XXXX of 2016, I received a preloaded visa debit card with a refund of XXXX on it. Enclosed with this card was information on having the moneys transferred to my bank ( XXXX XXXX XXXX ). I filled out the form for Citi Bank and requested them to transfer the moneys, these moneys have never to date made it too my account. I was given a case # by XXXX XXXX. I have contacted Citi bank several times in the last six months and all I am told is that the funds where sent and this case is closed and I should contact my bank. I have contacted XXXX and they told me today finally to call back Citi and ask them for the XXXX # and the ACH tracing # and the Settlement Date. Today XXXX/XXXX/2016 I did contact Citi for this information and was told by them that there was no XXXX # or ACH information for this Visa account ( card XXXX ). I was also told that if the moneys did not get to my XXXX account that the card would automatically be put back on the card. That is very interesting as on the back of this card it is clearly marked non-reloadable! I believe what has happened here is that I yes I missed placing a ( XXXX ) in the bank transfer number info. For my account info I typed in XXXX, this number should have been and is XXXX. I have tried diligently to explain too Citi that I made this mistake and request them to investigate and either reload the card or issue a new card with the money due me XXXX, They have done absolutely nothing and are at this point just giving me the run around. I did also make certain that Citi had the correct routing number XXXX. I am very frustrated to this point and would respectfully request your support and help in this matter. I feel that although this is my error for not getting my bank number correct, this is still money owed me and in fact with this information that I have supplied Citi it should be a fairly easy problem to correct. I believe that Citi just plain does not want to do what is the correct thing and make certain that I receive the moneys due. Sincerely and Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX.
Nelnet ( XXXX ) continues to call my mobile phone from an autodialer, despite my repeated requests to be removed from the autodialer. I have informed them that they are calling a mobile phone, and that I want to be removed from the autodialer, and to not call during my working hours ( XXXX PST ). They continue to have me on an autodialer, calling during my working hours, and lied to me today saying despite my request to not be autodialed, that they had the right to continue to do so. They have called at least 6 times since my initial request.. about once per week. When I reminded them of the TCPA regulations, they told me those weren't real, and if my account was delinquent, they can autodial me. I informed them that they may only HAND DIAL my mobile phone number once I inform them they are calling a mobile and request to be removed, they must comply. The man continued to argue that I was incorrect. I used to XXXX XXXX XXXX XXXX, I am quite well versed on TCPA regulations.
Payments are being misalocated. I am on a fixed rate to pay off my loans in 20 years, and somehow my loan balances are increasing.
ine complaint portal. ...XX/XX/XXXX

XXXX XXXX XX/XX/XXXX 
to Consumer 
Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential

On or around XX/XX/XXXX I contacted my  loan servicing company Ocwen  about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work
with". I was given a loan officer by the name of XXXX XXXX  , whom took an application over phone and gave me a Quote on what my new monthly payments would be.
He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX.

XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal
If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account.

I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for
for refinancing---------I  made it clear to XXXX XXXX I needed no loan just to lower my interest rate.

I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:-
A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE  DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU
XX/XX/XXXX called to have questions answered told me that they dont need to answer questions they just want their money. 

XX/XX/XXXX received 35 calls I answered one and requested manager rep told me I can wait on that call. 
I had a nephew called in they released information to someone that is not on the account very concern and unprofessional. I think they are fraud for a company to release information to someone that is not on my account.

I requested to receive financial help I was told To look for another job or borrow money from family nothing they can do.
I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums.
XXXX XXXX Spoke to XXXX XXXX . I submitted the dispute and request to validate debt of {$100.00} for medical bill ( son- XXXX XXXX ). Collection letter dated XX/XX/XXXX. 

XXXX XXXX I received a letter dated XX/XX/XXXX from Collection Co . I received a copy of an invoice for the bill. Although the Medical office biller confirmed there is no balance owed. Although letter is dated XX/XX/XXXX, received the letter in the mail on XX/XX/XXXX. 

XXXX XXXX Spoke to XXXX XXXX XXXX Advised them I didn't receive the letter until XX/XX/XXXX, which was more than 30 days of my dispute. She advised that the collection account was already reported to the bureaus. Then my call was answered by XXXX (? ). He would not confirm any details of the account or about what was being reported to the credit agencies. In a threatening tone would not assist to resolve ; demanded payment, then hung up on me.
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.
Bank of America notified me they were closing down my credit and checking accounts due to a " business decision. '' No other reason was given.They closed the accounts down with available reward points remaining. I currently have XXXX points ( equivalent of {$220.00} ) that is still currently listed as available. I was advised that the points are available but I can not redeem them because the account is closed. BOA essentially stole my reward points, still lists them as " available '' but not able to redeem because account is not open.
This leasing company returned my security deposit after i completed my lease and moved out. Then over 2 years later this debt appeared on my credit report. They did not send me anything to give me a chance to dispute before placing on my credit report. I have contacted company several times and asked them to send me validation of debt and was told they did n't have to validate anything to me and just to pay them.
On XXXX XXXX, I purchased {$500.00} worth of bitcoin on Coinbase 's app with my XXXX credit card, but the the coin did not come through. On XXXX XXXX they sent me an email saying : " On XXXX XXXX, XXXX, you ordered XXXX BTC via your payment method for {$500.00} USD. 
Unfortunately your transaction has been canceled by our banking partner. If your payment method was charged, you will receive a full refund as quickly as possible. If you have any questions, please contact our customer support team. 

We apologize for any inconvenience! '' I have emailed them a couple times since then and they have been unresponsive.
To whom it may concern ; I have been a victim of identity theft for quite some time now and continue to struggle with some information that is still continuing to report as mine. Additionally, I have been contacted by XXXX on two occasions over the past 6 months letting me know that they suspected a breach of my identity this past Fall during their security breach. While I have had some success in removing and editing accounts, inquiries, collections etc., I continue to try and have these items removed to no avail. My understanding is that these individual creditors reporting to Experian must prove that these accounts are mine and yet I continue to be amazed that apparently anyone can say anything and it more or less stick to an innocent person 's credit file. I have challenged both Experian and the individual creditors that report to Experian to better verify to no avail. 

This more or less all started in XX/XX/XXXX and some continue even today. Additionally, I even had a collection account to which Experian already removed pop back up just this week. ( XXXX XXXX XXXX, balance {$9400.00}, reported on XX/XX/XXXX ). 

A common theme that I have noticed are two factors ; I seem to have multiple inquiries and collections from apartment communities that are represented by XXXX XXXX and alike. Also, the majority of these Fraudulent accounts were opened in the summer -XX/XX/XXXX. 

Additionally, I have only lived at ( 2 ) addresses with leases to which I honored and subsequently concluded since XX/XX/XXXX to present day ; - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XX/XX/XXXX to Current ) I will be attaching a copy of these driver 's licenses accordingly that reflect these aforementioned addresses. I have not applied nor have lived at any other addresses within in other states during these timeframes. 

My expectation is that Experian will due their due diligence in helping me to rectify and remove the accounts that I am disputing as Fraud and or Identity Theft. 

Thank you kindly for your continued help with these matters.
I was working with XXXX XXXX XXXX without verified Debt. I missed a payment and two weeks later XXXX collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not XXXX. This is a violation of my rights and an attemp to destroy my credit profile.
Received a form letter from Bank of America that they have decided to stop doing business with my wife and myself. Said that they would not give an explanation as to why and would not help re - routing money and direct deposit checks. Never over drew and always kept required balances for over three years. I think this is bad business from an institution that has had a terrible name since the XX/XX/2008 banking crisis. XXXX XXXX
I represent a homeowner who is doing a short sale and has been approved under the HAFA guidelines to receive XXXX at closing which was approved by the sellers first mortgage holder ( XXXX XXXX ). The XXXX mortgage servicer at Seneca mortgage told me that they did not know that HAFA incentives were at XXXX and thought they capped at XXXX so if the seller was going to get more than XXXX then the investor at Seneca Mortgage wanted the difference between those XXXX numbers to go back to Seneca Mortgage and not to the seller. Seneca Mortgage also was offered 10 % of their unpaid principal balance, so they not only wanted that XXXX %, but also XXXX that the homeowner is supposed to receive from HAFA at closing. I told them that they had no right to collect the sellers incentive money if they already are being offered XXXX % of the UPB and also receive TARP money.
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had a loan from VW Credit for a XXXX ( involved in the diesel cheating scandal ). They repurchased the car from me on XX/XX/2016 - and repaid my loan in full that day. ( Actually, the repayment was MORE than full, as it did not take into account the monthly payment I had made on XX/XX/XXXX ). On XX/XX/XXXX, XXXX auto-debited my checking account for another monthly payment - despite my loan having been paid in full the prior month. 

This has caused a cash-flow problem, as my NEW car is also set to auto-debit tomorrow - and I do n't have sufficient funds in the account to make the payment, now that XXXX has inappropriately debited my account. 

I 'm suspicious of why this debit took place - despite the loan being paid in full - on the heels of XXXX 's involvement in systematic fraud in their emissions cheating.
In XX/XX/2008 my wife at the time withdrew XXXX dollars out of my IRA acct. XXXX individual times with forged signatures infill acct was closed.I did not give her permission. During this time the banker at the time witnessed to me that my wife at the time had her totally fooled. The bank was bb t XXXX branch on XXXX nc. Bankers name was XXXX. I am seeking retribution or someone to own up to the XXXX dollar mistake
On XXXX XXXX, 2015 my legal representative sent documents trying to verify the debt Second Round LP is trying to collect from me and also verify that they are legally allowed to collect in the state of florida. Their response has proven they can not verify the debt, are just trying to collect a made up amount of money from me and are not legally allowed to collect in the state of florida. This debt is also 8 years old and they are still reporting to the credit bureaus and have now ruined my chance of purchasing a house for the next year which means I 'll have to rent again and waste thousands of dollars I ca n't afford to lose.
Multiple 2 credit inquires unauthorized on XXXX credit report.

I was a victim of identity theft due to XXXX data hack.

XXXX refused to remove them told me to contact the bank to remove them.
This complaint is about First National Bank of Pennsylvania. My elderly Mother has had her checking account scammed two times within 6 months. The first time was for the amount of {$380.00}. It was an ACH withdrawal from a company called XXXX XXXX. I called the bank the same day and made them aware of a possible scam. Sure enough in a day or so the bank paid the unauthorized draft after I had asked them to close her account because she was likely going to be scammed. The bank filed a dispute claim but it was never resolved. ( I am on her account so I can speak for her ). I called the fraud department several times but received no resolution. The second ACH withdrawal just took place XX/XX/2018. Once again she has been scammed out of {$380.00}. This time the companys name was XXXX. The check number was XXXX. The company listed a phone number on the ACH withdrawal that was XXXX. I again called the bank and explained what happened and was told they would file a dispute claim. I am confident that First National Bank will do nothing just like they did the first time. I would also like to add that my Mother has not received any products from either withdrawal.
On XXXX/XXXX/17 XXXX debited {$120.00} and cancelled it the same day as I paid cash with them. I called Rush Card and was told I have to wait 10 days for my money. The transaction is still pending and is. It going to post since it 's been cancelled