WillisBack/dataset-financial-user-claim huggingface dataset:
After the death of my mother, I was forced to stay with some friends of my mothers. They learned that I was going to come into some money after turning XXXX from the death of my father when I was XXXX. I was in the accident that killed him and received a XXXX XXXX XXXX from the crash. The people I was staying with talked me into receiving a lump sum payment from XXXX. The money was deposited into an account with Bank of America. XXXX man that I was staying with, went with me to the bank while receiving the card, and must have overseen me creating the pin. He then took the card from me and then kept it to himself. He was known to carry a weapon and I was intimidated into not saying anything. Over the next several months, he was withdrawing money from my account. I was finally able to get in touch with my sister that lived in NC after she had filed and missing persons report and had the police come out to look for me. After the police had questioned me, ( I was too scared to tell them I was unable to leave and needed help ) the people decided that I should just leave and go to my sisters ( I found out later that they had already withdrawn all of the funds from my account ). After arriving in NC, my sister helped to file a report with Bank of America and the police about what had happened. The police said they would look into it, which has n't resulted in anything yet. Bank of America refunded XXXX and said they were unable to do anything about the rest of the money. Around XXXX was removed fraudulently from the account in total.
Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. 
I have no outstanding debt.
this account was started as a result of identity theft i have file police report and ftc id theft affidavit notarized outlining this specific account
I have been sending letters to Experian for months now and I have repeated myself over and over again. I am extremely concerned about the actions Experian is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XX/XX/XXXX-VER-XX/XX/XXXX
I recently went to get an account open at a bank and i couldnt because something came up on the XXXX. I looked it over and i saw that a bank reported that account for fraudulent activity. At the time that wae goin on I called them immediately after I found out my card was no longer in my position. So they questioned me and they started the investigation. They said I would receive a mail which i did not. I just let it go buy. Now 2 years later I 'm stuck with it. What do should I do?
on XX/XX/XXXX i reviewed my credit report an noticed that my dispute reinvestigation dated XX/XX/XXXX was completed and the the inaccurate reported public record [ bankruptcy chapterXXXX ] was verified an remained on my file i contact transunion and spoke with a rep as well as a supervisor and pointed out the documents i mailed in which discredits there verification of this public record and i was told they would reinvestigate if i wanted them to when i clearly proven they couldnt have done there job an remove this from my file its a clear violation of the fcra to keep reporting this i also wrote them and ask for method of verification and had not received anything after i mentioned it to the supervisor i was told she would do a phone verification of the record to satisfy my concerns but stated if she was unable to get the clerk of the court to verify the item would still remain i dont understand how they can get away with this and im demanding deletion of this record of my file
My bank accounts keep being sent to this address. They are cancelling my card and receiving my replacement cards to this address. One representative told me that he messed up and used one of his emails involving his name. His name is XXXX XXXX. I did not authorize him to use my account or take any initiative involving it.
My loan is not escrowed. I pay for my own taxes and insurance. I also have an adequate insurance coverage amount and type for my loan amount. I also timely pay my property taxes. I have provided proof of adequate coverage to Bank of America repeatedly and consistently since the beginning of my loan. Despite this, Bank of America is continually adding money to my principal and interest amount as " escrow. '' As this is not part of my loan I do not pay this amount and Bank of America then classifies my payment as late generating late fees. I pay the contractually required amount, have adequate insurance and pay my taxes and insurance on time. I do not know what I am being charged for that is an escrowed item as there are no escrows on this loan account. I have confirmed with Bank of America repeatedly that the insurance amount is proper. 
I have XXXX fire/dwelling policies and XXXX flood policies covering this property. The property has a front and a rear building which and each building is insured separately. 
I have a total XXXX XXXX and XXXX XXXX dollars in fire coverage and a total of XXXX XXXX and XXXX XXXX XXXX in flood insurance. On the front building my fire coverage is {$250000.00} with {$120000.00} in flood. On the rear building I have {$140000.00} in fire and {$140000.00} in flood insurance. Bank of America spoke with my agent and approved the amounts of all insurance in several phone calls. 
Despite repeated assurances of adequate coverage, Bank of America has not charged with force gap coverage for a policy which costs an additional {$3000.00} per year even though the underlying insurance only costs {$1300.00} dollars, and once again, after expressly approving the amounts selected with my insurance agent on multiple occasions. I and my insurance agent have been calling every six weeks or so. This past time we called Bank of America could not provide and explanation as to why due to " system issues '' ( XXXX XXXX ). We were told that Bank of America could not explain why the force placed coverage can not be removed and refused to provide any further answers. 
XXXX manager XXXX ID XXXX, stated that the issue was because they did n't have declarations pages for " prior years ''. This is the first time that anyone has stated they were missing declarations pages. Bank of America has charged me various amounts over the past several months in violation of our loan agreement and seemingly arbitrarily.
Merchants credit bureau XXXX is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removalXXXX has it listed to be removed XXXX and XXXX shows they reported XX/XX/XXXX..collection agency stated it will remain on there till XXXX This from a fire utility company who in XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with XXXX.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XXXX and they claimed it was a different account but impossible ..I 've only lived in XXXX place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XXXX showing fire was included in taxes beginning that year. I can furnish more if needed
On XX/XX/2018, I applied for a checking account with Santander and was declined citing XXXX XXXX adverse information. I have no derogatory information on my consumer report whatsoever.
on XX/XX/18 I attempted to transfer {$740.00} from my PayPal business account XXXX into my main business bank account. When I attempted to do so I received a security check for this transaction and was told there would be a delay and that they would have to review this transaction first. I contacted PayPal via their customer service line at XXXX PST on this day and spoke with XXXX operator number XXXX as he identified himself. I inquired about this transfer hold and he said it was a risk notification from " their algorithms ''. I said " What risk would that be as this transaction isn't outside the scope of our normal business? '' I mentioned that we did have an open dispute with a client but we had already submitted our proof of service to counter this claim. 

He said that there were XXXX 's of things the system looked at and that it was proprietary. I told him that if I walked into a bank and they placed a hold on a transaction they'd have to explain why and that there are regulations for holds like Regulation A, B, C etc ... 

He told me that they were not a bank but a payment processor and the only rules that they had to adhere to was regulation E. Surprising that he knew regulation E for someone who didn't know that there was a regulation A B C and D. He then told me that this was a part of the user agreement that I agreed to when I signed up. He said I could click the legal link at the bottom of the page. I asked him to point me to this specific area where I could find this user agreement. He told me he didn't have time to direct to me to his user agreement and that I should find it myself. So he couldn't tell me why the transfer needed an additional review and he refused to direct me to the policy and there are no rules it's just whatever the system says. This makes absolutely zero sense.
Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to   XXXX   XXXX   XXXX   that was paid directly to   XXXX   XXXX   XXXX  . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to   XXXX   XXXX   XXXX  .  Franklin Collection  is still reporting this collection to all  XXXX  bureaus, although they have now changed the balance to {$0.00} with  XXXX .
On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix.  Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX.
I have notified Experian of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX Credit Card XX/XX/XXXX 2. XXXX/ XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX
I opened an account with coinbase.com to purchase crypto currency. I added banking information to make trades. I 've tried to log in for a couple of months but I 've been locked out. I submit emails and I get canned response. But to no prevail do I get any sort of customer service follow ups as well as I still ca n't log in. I 'm concerned that they have my banking info. What can I do?
US BANK has made multiple claims of rates available, to no closing costs, to other agents saying NO such thing as NO Closing Costs, Refused to speak about an online US Bank account where a new customer like me gets {$200.00} for opening account with {$500.00} or more and free checking!!? When in branch, The MANAGER refused to speak of it until I opened my laptop and pointed to it! Then said did n't know about it!! But then asked me XXXX XXXX? How do you know about Promo Code if not familiar with offer? Bank has Lied and is Baiting & switching and not giving direct honest answers, Another XXXX XXXX lender. I 'm XXXX and feel discriminated against since there trying to take advantage by not telling me all the bank deals, offers as they offer others not XXXX. Discrimination
I initiated a call to The CBE group on XX/XX/XXXX. I spoke with a supervisor named XXXX. I was inquiring about paying a collection account in the amount of {$210.00} that we had just learned about from XXXX. We learned of this account from a mortgage company that we are working with to purchase a home. I explained to XXXX that I was willing to pay the account off if it would be deleted from our credit report. I was very clear with her that our mortgage company said that our loan would not go through underwriting unless this collection account was deleted. The mortgage company said that the loan could not go through if the account just showed paid. I asked XXXX on at least 3 separate occasions during this call if she could assure me that it would be deleted if we paid the account. She said that it would be deleted. I paid the account, she gave me a confirmation number and confirmed my email address so she could send a receipt. After waiting for the receipt to show up and it never did, I called The CBE Group back on XX/XX/XXXX. I spoke to a man named XXXX XXXX. I explained the situation to him and told him that I had never received a receipt and that our mortgage company was also requesting a letter of deletion so they could process our loan. He informed me that they did not provide letters of deletion and that the only thing that they could do was update the account on the credit report to show as paid. I explained to him again that the mortgage could not go through underwriting if the account just showed paid, it had to be deleted. He said that they never deleted only updated accounts. I told him that XXXX had promised me that if I paid with a credit card by phone on the day that I called in, that it would be deleted but it might take up to 30 days to show up. He agreed to listen to the phone conversation because all calls are recorded. After listening to the phone conversation he said that he thought that the process was not explained to me correctly and offered to refund the payment that I had made. I told him that I did not want the money back that I just wanted the account deleted so we could buy our home. He said there was nothing he could do.
Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies. 
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers. 
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail. 

I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment. 
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed. 
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan. 
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}. 
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business. 
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras. 
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle. 
I also notice several lawsuits against them for similar issues.
I have tried many of times to work with Navient to lower my payments but to no avail. I was laid off from work in XX/XX/XXXX and did n't know what to do so they told me to go with forbearance, not knowing anything about it, I thought it sounded like the best idea. I was also told I ca n't set up any other payment plan becaus e I am out of options and I am about to be laid off again as of XX/XX/XXXX and ca n't afford XXXX a month payment
I began disputing these items with the Credit Bureaus, and more specifically XXXX XXXX and Experian on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA.
Attempted to contact servicer to understand status of the account. A customer service rep indicated the mortgage was reaffirmed after CH XXXX Bankruptcy in 2010 discharged. Advised this was incorrect and that charging late fees on the account is an attempt to collect a dept, specifically prohibited by U.S.Bankruptcy law. Servicer refuses to remove fees.
I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.
XX/XX/18 I applied to a web page that pop up on XXXX that if I applied for this credit card I would get {$100.00} of a flight that I was booking. I applied and was approved with a credit limit of {$6800.00}. than the screen went black. I called the company and asked how will I know that the XXXX went through the representative said it will show up on your first bill. A few days later I call the company again Barclay and was asking about the charge for the tickets and about the {$100.00} credit. The rep said there wasnt any charges on this account. I said well I received confirmation of the flight how did I get the tickets if it isnt on the charge. Rep said he didnt know. I hung up and was trying to figured out what happened and thought maybe they charged my XXXX XXXX Card. Sure enough when I called the charge was put on my XXXX XXXX Card. When I called Barclay about the XXXX that I was suppose to get on the tickets he said I need to make a purchase again and they would apply the XXXX. I told him the whole purpose of me applying for the card was to get the {$100.00} off the tickets that I purchased on XX/XX/18. He said there wasnt anything he could do.
The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. 

Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.
My student loans where on the income driven repayment plan. After one year I was up to renew them and I was also enrolled in school. When I contacted XXXX about renewing my annual repayment plan the representative stated that I was in school and that I could have them forbearance. I told her no thank you. She stated that when you enroll in school the system would automatically place you in forbearance. I explain to her that I am okay with paying my loans and that I would not like for my loans to automatically do that. I explained that it was not helping me or my loans my giving me the option to do that when I am able to afford the income repayment. She then stated that she would fix my account so that my loans would not automatically go into forbearance. After getting off the phone with her a couple of weeks later I would be surprised to find out that my loans went into forbearance after I inform the company that I did not want this to happen or that option. Call the company back and the guy inform me that he would fix the issue that it wasnt processed correctly. They company are thriving off keeping students in debt by giving them the option to live now and pay later. Meanwhile the interest is stacking up and making my loan bigger than what I initially borrow.
XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both transunion and XXXX have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018