WillisBack/dataset-financial-user-claim huggingface dataset:
I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.
This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed
Arvest Central Mortgage continues to claim that I owe them money AFTER they unjustly adjusted our escrow account. On XX/XX/2018 they claimed to have adjusted all records yet they are seeking more money I do not owe. I'm afraid they will hit my credit again. They continue to call claiming that I've shorted my payment nearing on harrassment.
Last thursday XXXX XXXX. Called my cell from phone number XXXX exXXXX saying I had 2hrs to call her back are charges were going to be filed against me so my boyfriend calls me at work and and relays the msg to me so I call her And she ask if I recall XXXX and I said yeah but that was yrs ago long story short she wanted me to pay XXXX plus for the loan I got years ago I told her she would have to wait til Friday so she ask for a card number which me not thinking at the time I gave her my card number but told her I would have to make payments every two so then later on after I got off the phone and I got to thinkingwhy did she need My card number so Friday came And My bills come off my card and she called my job and said payment didn't go though I told her I gave her the wrong card number so she asked for a different one. So today XX/XX/XXXX she has. Called myjob twice. And I have ask her not to call and send. Me paperwork and I would gladly make payment arrangment I think she. Is scaming me
US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.
Equifax has grossly mishandled mine and millions of others ' critical personal information and has put my identity and financial well-being at a huge risk of compromise. Equifax also took an inexcusable amount of time -- over a month -- to release information about such a disastrous breach.
I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.
I tried to send money to the XXXX but Remitly just cancelled it for no reason and the thing that made it worse was they deducted the money from my bank account and when I called their customer service they just told me that they will refund my money within 3 days. Although they returned my money within 3 days but I was not able to send money anymore on that day to my love ones in XXXX.
VKI - VALENTINE & KEBARTAS XXXX XXXX XXXX XXXX, Massachusetts Has called multiple times from different phone numbers. They have now started contacting family members which is very unprofessional. They have used XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX. They have called almost over complete 30 days of XXXX.
I am a service connected, totally and permanently XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.
I purchased a car from XXXX XXXX XXXX on XX/XX/2018. The loan was to be financed by Westlake Financial for approximately {$22000.00} and a monthly payment of {$480.00} a month. About 2 weeks later I received a call from XXXX stating that the bank backed out of the loan and I needed to return the car asap. The bank decided they didnt want to finance me. I took the car back that day. About another week or 2 goes by and I start getting phone calls and statements in the mail for a car I don't have and a loan that I never got. I attempted to call the bank multiple times to get it corrected and the account closed out but they wouldn't close it. I called the dealership, XXXX, and was told they will call the bank and have the account closed. Another week or so and I get another letter and statement in the mail telling me about my upcoming payment. I then call Westlake again and I call XXXX again. Both tell me they will take care of the issue. Today XX/XX/XXXX I begin to get credit monitoring alerts left and right so I log on to see what is happening and its Westlake Financial adding an active open account to my credit stating that I took out a loan for {$22000.00} for a car I do not have! Obviously Westlake and/or XXXX is not doing what they are supposed to do and I am the one suffering. This open car loan on my credit is hindering me from being able to get a car because the company says I already have a car loan when I don't! I demand this account be removed from the Westlank Financial Bank 's system and I demand that this open active account be closed and removed from my credit report immediately! It is frustrating to continue to deal with this!
Allied Collections Services of Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX ) called me ( employee # XXXX ) to collect a debt that they claimed was from XXXX in XXXX XXXX. They were unable to confirm what the debt was for. I asked for this information to be sent in writing to my home address. This information was never sent, and yet a month or so later, with no attempt to contact me again, nor any written contact, the debt appeared on my credit report. I filed a dispute with the credit bureau, who removed it from their report. I then confirmed with XXXX and XXXX that the debt was in error. They confirmed that this information had been forwarded on to Allied Collections. Allied Collections denies this and continues to claim that there is a debt owed, despite having no evidence of it beyond the quantity of the debt, and without ever having contacted me in writing, despite ample opportunity.
The credit bureaus are not investigating my dispute with XXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.
I have sent multiple certified letters asking them to validate this account with my signature. I only received account information and they did not show proof of my signature. They refuse to delete this information from the credit bureaus.
In XXXX, Discover notified me that they were going to replace my card due to a possible data breach that was not due to their system. I asked what vendor had the breach so that I could consider if any other action was needed on other credit cards or personal information. The response I got was that they could not release the vendors name. I did not feel that the explanation was adequate so I recently asked for clarification on the reason I could not get that information. I was again told that they could not release the information, but was not provided with the specific reason such as limited by law, company policy, or agreement with vendor. I want to know the reason for the limitation to understand if it is a legitimate reason or just words so I stop asking.
On XX/XX/2018 I started receiving notices that my credit was being checked by XXXX XXXX car lot. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX car lot and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
On Saturday    XXXX   XXXX   XXXX   a  purchase of {$56.00} was authorized for hotel services using a prepaid government benefit card white labeled  by US Bank.  The card account was pre-authorized for an amount above ( 20 % of the transa ction )  the transaction amount, or approximately {$65.00}. I called the customer service line on the back of the card and spoke with the floor supervisor on or about, Sunda y   XXXX   XXXX   XXXX   at   XXXX   XXXX  .   <P/> When speaking to the supervisor she gave conflicting statements. She stated that an authorization hold was placed on funds in the amount of 20 % of the transaction amount, in addition to the transaction amount, as  1 ) a hold to cover incidentals placed by the merchant ; and as 2 ) a hold placed by the prepaid card issuer as a term and condition of use of the card. When asked to return the funds to the card account, the floor supervisor refused.   <P/> The transaction constitutes both theft by conversion and fraud on the part of either the card issuer or the merchant.   First, the transaction amount of {$56.00} is the only amount represented or authorized at the time of transaction. Any amount debited to the card account that does not accurately reflect that amount squarely positions the transaction amount of {$56.00} as fraudulent because the amount of the transaction is therefore a misrepresentation of material fact. The merchant secured funds or exercised unauthorized control over funds that it never represented to the purchaser or bargained for authorit y to do so. Fraud and theft by c onversion.   In the alternative, in the event that the card issuer placed the 20 % hold on the card account funds and the card issuer did so as a matter of the terms and conditions of the card, then the card issuer has converted funds under unenforceability provisions of the cardholder terms and conditions. First, the cardholder has no bargaining position to speak of when using the government issued benefit card. Therefore, the card issuer bargains from a position of gross superiority. As a consequence, the cardholder, according to the terms and conditions of the cardholder agreement, implicitly bargained for a 20 % hold on certain transactions for a term of up to 20 days. Such an argument is absurd. Cardholders of government benefit debit cards are not financially secure individuals. They do not hold a position of power and are best categorized as a suspect class for the precise reason that, generally speaking, they are in a position of powerlessness. Needless to say, it is of no benefit to these cardholders to bargain for the " holding of funds '' under any circumstances. In fact, these holds serve to benefit the card issuer 's profits, and they do so at the cardholders expense. Therefore, the card issuer exercised unauthorized control over funds at the cardholders expense under the pretense of unenforceable provisions of the cardholder terms and conditions. They by conversion.
I HAD BEEN ASKED BY MACY 'S CREDIT TO PAY A DEBT WITH UNEMPLOYMENT INSURANCE FUNDS.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( Experian ) XXXX XXXX Account # XXXX. ( Experian, XXXX, XXXX ) XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, ( Experian, XXXX ) ( Experian, XXXX XXXX XXXX XXXX XXXX Account # 1 ( Experian, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( Experian, XXXX, XXXX ) XXXX Account # XXXX
On XXXX XXXX, XXXX I received a letter from Douglas and Associates saying that I owed {$9400.00} for Demolition of a property in XXXX XXXX that was transferred to me on XXXX/XXXX/XXXX without my knowledge or agreement. The documentation that I received as " proof '' was a " Limited Warranty Deed '' from Grow Rich Properties who according to the XXXX county did not own the property on that date. The property was transferred from XXXX XXXX to XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX then transferred the property to me on the same date using the document dated XXXX XXXX, XXXX according to Douglas. The XXXX deed states that XXXX XXXX " is seized and possessed of the said land and has a right to convey it '' etc. Another county record says that the property was granted to me by XXXX XXXX XXXX the records do n't even match. 

I did attempt to purchase this property from XXXX XXXX XXXX XXXX starting XX/XX/XXXX and paid them {$20000.00} for the " class '' that " entitled '' me to a property, {$3500.00} for their cost and {$20000.00} for a property. I signed many contracts that Grow XXXX drew up and tried to contact them multiple times as well as the property management company they said I had to use, XXXX XXXX who sent me a Transaction Review sheet in XX/XX/XXXX stating they had my funds to transfer and would send my deed. 

In XXXX of XXXX, I made XXXX last attempt to recover at least a portion of my money by submitting a claim to the XXXX Department of Insurance for an errors and omission claim against XXXX. I sent the response letter to Douglas Associates stating that XXXX did not collect the money or conduct a closing so the department lacked proper jurisdiction. They sent a copy on to the Utah Attorney General and suggested I pursue civil litigation. I did not have the money to do so. After 3 years of trying everything that i could think of, I contacted my bank, presented them with all the documentation and history and received a portion of my money back. I had no more information on this property until I received the letter of debt from Douglas Assoc a few weeks ago. 

I never had a contract with XXXX XXXX, the contracts that I did siged with XXXX were never completed and returned to me. My copies say that I would receive a property that I agreed to take by XXXX XXXX. XXXX. XXXX XXXX is the person who received the condemnation letter XX/XX/XXXX and he was given 30 days to complete them by the City of XXXX. 

I received no notice of the transfer, the " judgement hearing, or demolition bill until last week.
Men are calling my brothers business phone to collect an alleged credit card debt of mine from XX/XX/XXXX. They left messages stating they were from the " fraud investigations unit '' at XXXX and XXXX XXXX , XXXX. They are using two different names when attempting contact. They have my current address and telephone number. My brother received the most recent call on XX/XX/XXXX at approximately XXXX. They gave him the number XXXX and name of XXXX XXXX. I called them back at the same number at XXXX and asked for XXXX XXXX XXXX The male receptionist said he didn't have that name attributed to my case and asked for my account number. I explained I had only a reference number # XXXX and he transferred me to another male. This man asked me for my social security number. I told him I was uncomfortable giving my social security number out, he stated he had to verify who I was before telling me why he is calling and that he had my full social security number already, he then hung up. I immediately called back, asked the receptionist what the company name was, why they were contacting me, who did he transfer me to and why they are contacting my family members. The receptionist told me my name and address and explained he would transfer me to XXXX XXXX - the man handling my case. I was again transferred to the same man - now identified as XXXX XXXX. I asked him why they are contacting me and my family members, why I need to provide my social security number before he tells me what these calls are about and that his receptionist already has my name and contact information, he responded, " I have all of your information here, I just need you to verify the last four digits of your social security number to disclose why we are contacting you. '' I agreed to the last four digits only, gave him my last four digits and he told me this was a {$9600.00} credit card debt from XX/XX/XXXX with Chase Visa. I told him I did not have a Chase credit card then, now or ever - to which he said, he would send me the information in the mail and hung up.
I was given higher interest rates due to my marital status and the company 's unwillingness to consider household income ( they only consider my " individual '' income which is discrimination considering that my spouse and I are ONE household and we make ONE income ). Marital status is protected under the ECOA. 

They are refusing to reverse the credit pull they performed under fraudulent advertising and have no proof I authorized this. They also did not use my correct salutation when addressing me which is also quite offensive.
This is an update to XXXX-XXXX  about USAA and XXXX-XXXX about USAA. 

The company ( usaa ) never gave it back as ordered by the president and ceo ( XXXX ) XXXX XXXX, or the XXXX ( XXXX ) that never belonged to them. 

Attached is a current update if the account ledger. They shuffled numbers around and erased and added some new stuff either way it is fraudulent and they still owe me the funds as reported to you. This is an update of the reports on USAA the two instances where they owe me XXXX. And later XXXX. 


It was never given back to me even after I was emailed and called and told that it would be given back.
My wife tried to use the credit card to get some gas. It did n't work. She called me and asked me to call and find out what was going on. Yes, she is an AU on the card and has one. I called to find out that they closed the card. There were several reasons. The first was a returned payment. The rep that we initially spoke with to make the first payment keyed in the last digit wrong. So of course it came back wrong account number/nsf because it was n't our account. Once we realized the issue we paid it with our Debit Card. We paid  XXXX . So, when I spoke with the rep/supervisor, we were told that it was because of the account number being wrong, and because our payment was too high? I am like seriously? Who says a payment is too high that is paid with our Capital One 360 Card. It is ridiculous.
This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.
Credit Bureau is in violation of FCRA, FDCPA and XXXX XXXX Compliance.
I applied for and received a loan from XXXX XXXX XXXX when I was in college 10 years ago. My loan was later sold to Loan Science. XXXX XXXX XXXX is the servicer of my loan. I have always paid my loan on time and have never had any problems until 2 weeks ago. My aunt, who is the cosigner on my loan, called me and said that Loan Science called her to ask for the payment. I told her I would take care of it. When I got off the phone, I got a phone call from Loan Science saying that I was short on my last payment. It was now 15 days past due. I asked how much and they said a little over {$1.00}, but because I was short that amount when I paid, they also assessed a late fee for another dollar and some change. They were calling me because I now owed them {$2.00}. They explained that they talked to my aunt and she had paid it, but wanted to let me know what my new monthly payment was. It had changed because of a variable interest rate. I thanked her and thought it was over. Then I got another phone 3 days later from Loan Science stating that I was still in default on my loan for the {$2.00}. I explained that I was told it had been paid. She apologized and said they had made a mistake and no payment had been made. I told her I would take care of it and pay through my bank. Since that day I have received 15 more phone calls from Loan Science. This has all been within a 10 day time span. I have never been left a message, they just continue to call until I pick up and ask the same question over and over again. I feel that I am being harassed by Loan Science for a small mistake. I had moved recently and gotten married and in the shuffle had n't had time to update my correct address and name change. I just sent the same amount I always sent every month. I can not stress enough that I am responsible and always pay on time. I think it was absurd the amount of phone calls I received regarding such a small amount of money. When I tried calling XXXX about changing my address the woman who received my call refused to talk to me because she said my account was past due and I had to talk to Loan Science. She rudely cut me off and transferred me to Loan Science who can not help me with name or address changes. They said I would have to call XXXX for that. I finally got XXXX of someone who would help me after Loan Science called XXXX to explain what I was wanting. This boils down to a simple mistake but was treated as a crime and harassed by the many phone calls from Loan Science.
On  XXXX   XXXX ,  2017 , someone online fraudulently took all of the money out of my account, bringing the balance down to {$0.00}. When I complained to the bank mere hours later, they assured me the funds would be returned to me within 10 days. They did not offer a new card, but walked me through the process of resetting my password, security question, etc. This was o ver 3 week s ago and the money ( about {$380.0 0} )  still has not been returned. I called customer service around  XXXX   XXXX  and they stated they needed more " time '' for " investigation ''. I have since filed a police report, where the police were able to identify the people who did this. ( They are out of state. ) When I spoke to this bank on  XXXX   XXXX , they told me they were issuing me a new card because they suspected fraudulent activity on the accou nt ( a purchase attempt in a store I had not visited in the amount of {$890.00} ).
The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.