WillisBack/dataset-financial-user-claim huggingface dataset:
This company uses robo calls and they call at least once a day often 2 or 3  times, no one in my household knows what they want as none of us are behind on anything the number is my house number but they also have my cell number which I have blocked -
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
M & M CREDIT is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from XXXX XXXX XXXX. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with XXXXXXXX XXXX XXXX and I am able and willing to settle the debt with them. The reason the debt with XXXX XXXX XXXX was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with XXXX XXXX XXXX multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with XXXX XXXX XXXX  directly.
On XX/XX/XXXX I received a call from Bonded Adjustment Co. while I was driving. The lady told me she was a debt collector trying to settle a medical debt from the end of XX/XX/XXXX. I told her it was in dispute with the insurance company, and that I would be disputing it through the state insurance commissioners office. I also requested that she send me a letter in the mail, as I couldn't write anything down. I told her either way it would get paid. I didn't receive a letter from Bonded Adjustment Co. Fast forward to XX/XX/XXXX, I was notified by my credit monitoring service that a derogatory account had been opened in my name. The next day I called Bonded Adjustment Co to find out how to settle the debt, they said to pay online using my account number that was on a letter. I told them that I didn't get a letter, she huffed and said she would look it up, gave me the number and the amount owing. I went online the same day to pay it, and continue to try and get resolve from the State insurance commissioners office. 

Bonded Adjustment Co in-consistent procedure in taking on a new debt client, by not sending out a debt collection letter has cost me being declined for credit twice, and will inhibit me from getting new contracts for business therefore limiting my families income.
XXXX XXXX XXXX XXXX XXXX credit card never rewarded me the initial sign up bonus of {$150.00} after spending {$500.00} within the first 90 days of opening the account. We called the credit card company and they said we missed something in the application and we never signed up for this bonus. I told them that there was nothing to miss and it was just one whole normal credit card application. Then they said they can not do anything about this. I applied and got approved for this card on XX/XX/2018 through their site and the site clearly stated that youll get a {$150.00} bonus after hitting the spending requirement.
I am trying to payoff my mortgage. I have always sent payment via ACH transfer. To payoff the loan I ca n't use ACH transfer. According to the bank the payoff can be a personal check which they will hold for 14 days before processing the payoff or I can wire the money which has fees involved. I think this is unfair give ACH has been an acceptable payment method for years. SECOND. I need a payoff letter which may take 2 weeks to receive. I asked for an electronic method of transmittal and was told I could not get and email but i could pay {$30.00} for a fax. I think this is just abuse. They have made money at every step of the way and when it comes time to close the loan they make it difficult. FOR comparison, I just paid off my Auto loan with XXXX, I sent in the last payment and received the title within days. no payoff letter, no hassle.
My mother has been paying this loan we took out together for about 8 years now. I am unable to pay anything towards it at this time and paid very little in the past so honestly I have not paid much attention to it and her payments until recently. The original amount borrowed was XXXX. The school told us it was the best loan, cheapest and easiest to deal with. We have had no prior loan experience. And none of my other siblings attended college so we were completely new and in the dark about it and used the school financial adviser for our information. They told me, at just XXXX yrs old and very naive, and my mother, who just lost her younger sister in a XXXX, that I was eligible for financial aid but had missed the deadline so I could apply the following year when application opened again and they would cover most of if not the full loan. So we trusted them and jumped in. Well that was all untrue. I signed up for the financial aid immediately after I graduated and was told that was not allowed bc I had to sign up BEFORE I went to school not after ... So back to today, My mom recently showed me a bill which shows we 've paid about {$27000.00} at this point but the balance is still just over {$50000.00} ( Come down only about {$4000.00} ). We are in over our heads and the loan company has not been helpful with options. They gave us our XXXX allowed forbearance early on and had us pay just interest at XXXX point for a year or two as well if I remember right ( I can get all this exact info later if needed ) but otherwise it seems we 've exhausted all our option and now my mother is about to move out and wo n't be able to afford the bill so she wants me to pay it and with my own children to care for ( including tuition for XXXX ) and a high rent for our home plus car payments etc there 's no way I can do this. I am so worried about my kids and I ending up on the streets over this and my older son having to leave his school and really need some help getting some of the {$27000.00} paid towards the loan itself and not whoevers pocket its going into, or getting the loan lowered and affordable. Also the school president at the time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX MA was apparently stealing money at the time I went to school and I ca n't help but wonder if he paid of the financial aid woman to lie to us incoming students about getting financial aid just to get us to get loans to pay him : ( Please help if you can. Thanks XXXX
Well i checked my credit score and noticed anew XXXX from citicard cbna we have no idea what this is we have not opened any acounts with citicards cbna, please help
SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX. 
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX. 
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country. 
SunTrust had used my Social Security number and personal information. 
I have never asked or gave permission to open any types of accounts at SunTrust Bank. 
Would you please help me to solve Identity Taft by the SunTrust Bank. 
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone XXXX
I am a 6 year credit card customer with XXXX XXXX and also a former employee 10 years ago. I was recently in the hospital for a big XXXX and the Bank closed my card because I missed payment during that time. My payment history with them is literally perfect and have a 99 %. I also hold my primary account with them and had over {$4000.00} currently in that account, so they could have debit that account easily. As a result of this they closed my account and I am told they cant reopen it.
We filed a dispute with Citi Bank about a charge of {$1700.00} from XXXX XXXX XXXX XXXX. This was a deposit charge, however we cancelled move because of additional charges ( about twice the amount stated in the contract ) that was required just before the move was scheduled. Citi notified us of their attempt to settle the dispute, but could not do so with the information we gave them. We have obtained information about XXXX XXXX XXXX XXXX from sources such as XXXX  that this company has pulled the same scheme of overcharging at the last moment before moving and feel that our deposit charge should be removed from our account at Citi Bank.
1st Bank of America is the worse amount other major bank to do banking with. 

2nd Especially, with servicing small business 3rd Real scenario, I withdrawn {$2500.00} to pay a client in XXXX, yet find out they only accept Checks, so I wrote the check and leave the CASH in my pocket, and at the end of the day I am dragging my tire body to deposit the CASH back in. However, the check I wrote was bounce. That meant the check goes faster than myself 4th 2nd case, at XX/XX/XXXX I saw there is a check that I wrote trying to go in my SBA acct. which will negative my acct about {$2000.00}. This is at XXXX Pacific time, so I called the SBA direct line, the BOA rep. informed me that I have to bring the CASH in the branch before XXXX, and have to call in to inform them to force it thru without bounce the check. 

Now, all banks open at XXXX so I went to XXXX withdrawn the CASH, go to BOA just a  mile away and deposited at XXXX. 

Then, I started calling the SBA XXXX # from BOA, and also waited in-line for the customer service personnel in BOA, they start service me at XXXX. Helped me calling in their internal banking system, while I still waited with my cell phone trying to get thru. 

They BOA internal people gave the answer to the branch bank " it is passed XXXX there is nothing we can do ''. The banker said they deposited before XXXX just having hard time get thru. 

Now, at XXXX I finally got thru with my cell phone, and asking the same question, the BOA said the same answer, passed XXXX nothing can be done. I told them I deposited before that, and trying to get to you guys ... 

What kind of bank is this .... 

Anyway Name : XXXX Phone : XXXX
XXXX account was readded to credit report after I disputed and had it removed XXXX/XXXX/16. I have attached proof. XXXX account, was added back to report after I disputed.
i received a letter on XXXX XXXX 2016 stating that my property will be sold at auction on XXXX XXXX 2016. i contacted the mortgage company and was advised to submit a modification packet. i submitted the package on XXXX XXXX i called in to verify that it was received and it was. i was also told that the sale was being put on hold. On XXXX XXXX 2016 i was contacted by an agent stating that my home had been sold and she was representing the new owners. I called the bank and was told that the sale should have not happened and the sale would be re-sended. Not to worry that the property was still mine and i was being under review to see if i qualified for the modification loan. on XXXX/XXXX/16 when i called to get status of the process i was notified that they will not be re-sending and the sale would go-thru.I have been served with an eviction notice to appear on court XXXX/XXXX/16.
Midwest Recovery System has placed their negative tradeline on my transunion credit report for a debt that is not mine. 
The debt is for a bill in the amount of XXXX dollars from the original creditor called XXXX XXXX?? 
According to the tradeline it states the debt was made around 2011 and its a payday loan??
I opened the checking account and the safe deposit box with Wells Fargo couple of months back. Wells Fargo did n't generated the documentation properly and missed the sign in sheet. When i went to open the safe deposit box for the first time i was told that sign in sheet was missing but i was was let in to open my safe deposit box and bank manager confirmed that he will get the sign in sheet generated very same day and i should not have any problem going forward. On XXXX XXXX i went again to open the safe deposit box and again i was told sign in sheet was missing again. I asked for the manager and he told me to generate sign in sheet again and it will take couple of hours as there are other people in line or come later to open your safe deposit box. As i was in hurry i decided to go back and make up my mind that i should close my checking account and safe deposit box with Wells Fargo. I went to the bank on XXXX XXXX and i asked them whether i will be getting my money back for the safe deposit box annual fee or not. I was told that i will be given prorated money back so i asked them to close the same. After i closed both the accounts i got the money from the checking account but not for the safe deposit box. I was told this ca n't be refunded. Person who told you was wrong and this is non refundable fee. I need my money back from wells fargo.
I 've sign up for Capital One 's Platinum card with a starting balance of {$300.00}. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... XXXX address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees
My mortgage account was paid off, and I expected refund of the escrow balance + unused interest. The bank did not send the final statement and cut off my online access. Luckily, I kept the web records, and calculated that they quietly reduced the refund. When questioned on the phone, they reluctantly admitted that they charged different fees. No such fees were expected, disclosed or authorized by me. I specifically asked the new lender, who received the payoff requirement, and have the emails explaining that only the interest was the factor and would be prorated based on actual payoff date. The bank representatives were putting me on hold and could not come up with the straight story about the fees. On XXXX XXXX, however, with my persistence, they agreed that there was {$130.00} added and promised to send a check for {$60.00} stating that remaining {$75.00} they could not refund : Supposedly, it was a recording fee to my county. My new lender had all the settlement fees disclosed, and everything was covered by the new loan. I think that they are hoping that I give up. It is very difficult to reach someone using the customer service number they provide, they do not direct you to a helpful department without much pain, use long holds and make promises like sending a statement or making a case that would be acted upon that they never plan on executing - one manager even admitted that.
Portfolio Recovery Associates ( " PRA '' ) is collecting on a debt allegedly owed to XXXX. On or about XXXX XXXX, 2015, I disputed this account with all XXXX credit reporting agencies and with PRA and requested validation of the debt. Immediately, the debt was verified with the credit reporting agencies. About two weeks later, I received mail from PRA with a cover letter indicating they had " verified '' the debt. 

Included with PRA 's letter were XXXX non-consecutive statements from XXXX XXXX, none of which provided any indication of how the balance on my secured card with a credit limit of {$700.00} rose to nearly {$2000.00} in a relatively short amount of time. After applying the security deposit to the alleged balance, PRA is attempting to collect {$1200.00}, an amount nearly XXXX the account credit limit. Nothing in the XXXX statements I was sent provide any indication as to where this balance came from. 

In the meantime, I have sent PRA subsequent correspondence to which I have received no reply. They do, however, continue to report a monthly 'charge-off ' to the XXXX credit bureaus, making sure they do the maximum possible to completely ruin my credit score. I would note that a Missouri jury recently ( XXXX, 2015 ) ordered PRA to pay over {$83.00} XXXX in damages to a woman whose credit they ruined without any concern. I have no problem paying my debts but it would seem to me that if they applied my security deposit and closed my account, my balance should be settled. To apply my deposit AND claim I owe an additional {$1200.00} is outrageous, and to ruin my credit monthly because I want to know the nature of how this was calculated is truly unfair.
I filed a chap ter  XXXX  bankc ruptcy on  XXXX   2015  and Experian still showing in my credit report   XXXX   account late, I only have  XXXX  new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in   XX/XX/XXXX   and they did not do anything. Can you please help me with this issue. Thanks
CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct. 
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report.
US Bank gift card sold at bank for flat purchase fee of {$3.00} ; buyer assured no additional fees for use ... terms and conditions claim " no user fees, " no hidden fees '' no other fees for transactional use of the gift card- '' accepted wherever VISA accepted ''. Card purchased at bank & cash loaded plus {$3.00}. 
After card gifted, user tried to buy food at a bakery, then grocery store. Receipts reflected one cost ... but additional fees added on NOT by merchants but by USBank card & were not disclosed.This pattern repeated until card denied by merchant as " not sufficient funds available '' THEN card holder called card and found XXXX % of each purchase added on by card and held for up to 30 days without disclosure to card holder or merchant. SCAM.EMBARASSMENT FOR XXXX WHO ACCEPTED THIS GIFT FROM RELATIVE..card funds were skimmed from card and withheld from card holder ... different amounts for different types of transactions held different periods.
Summitted payoff to a financial institution. The action was accepted than reversed. Asked the reasoning for their decision. Was told that they did not accept ACH payments, yet I have been making ACH payments to them the last three payments. Legal advice is going to be thought out because how can a financial institution say that it is ok to accept payments from one financial institution but not another. A financial institution can not be discriminatory in which financial institution it can or can not accept payments from.
I had already paid my debt owed of {$180.00} to my credit to a while and XXXX XXXX XXXX XXXX XXXX took over the account as a collection and send me a letter demanding payment that 's I paid again to the collection agency not realize that I had already paid my credit or there for the amount that I paid the collection agency which is {$170.00} is owed back to me because the balance was XXXX therefore I am requesting a refund of {$170.00} from XXXX XXXX XXXX XXXX XXXX The collection agencies account number is XXXX and the Creditor is wow the last 4 of my social security number is XXXX for some reason this phone will not allow me to enter this information the proper fields
GC Services has continually contacted me at place of employment after numerous times of telling them not to call me at work yet they continue to do so and are very rude and disrespectful on the phone.
I would like an address removed from my credit report. I have never lived at : XXXX, IL XXXX I have lived at XXXX since 1978
I purchased my home XXXX/XXXX/2015 with BMO Harris Bank with the condition that my loan would be sold to XXXX Bank with in 90 days due to me having a XXXX down payment assistance loan with XXXX and XXXX XXXX is servicer along with my loan being an FHA. Come to find out I was still signing paper work after my closing due to neglect that was left out of my closing paperwork. Now, in XXXX. I was told they put the wrong interest rate on my closing paper work. Should have been 3.75 % and they had 4.25 %. So to cover themselves they wanted me to sign a modification stating I was in default on my mortgage and I was having trouble paying my mortgage! This was fraud! This I did NOT sign. I did sign an agreement to have the interest rate changed to 3.75 %. Now I have been sending my XXXX payment to XXXX XXXX as XXXX dose not deal with BMO. This has been going on for a year. Now I was told XXXX XXXX refused to buy my loan due to numerous errors on my mortgage. So now I am stuck with BMO Harris and all the errors that keep happening. One example is I make my mortgage payment and add additional to escrow and tell them to apply it to escrow and they put it to the principal every time. I then contact them and it takes days for them to fix. This happens every time. Also I was told by XXXX ( XXXX ) that BMO fronted the money for my down payment assuming they would sell my loan to XXXX XXXX and now that it did n't happen I have to pay BMO back and not them. XXXX is taking the terms and conditions of my XXXX loan and using this to be paid back. No money was ever exchanged between XXXX, XXXX XXXX or BMO. This is not what I agreed to. None of this is. I have requested all of my mortgage paperwork form BMO including what was sent to XXXX XXXX. Some of the paperwork I did n't have and they do n't have a lot of what I have. But there are a few pieces of paperwork that stand out. One was my interest is supposed to be 3.50 % for and FHA loan which I have and a conventional loan is supposed to be 3.75 %. Also the cover sheet I have that was supposedly sent to XXXX XXXX stating they were selling my loan to them had the interest rate of 4.25 % on it! This is just a quick over view of what has been going on for over 15 months and keeps continuing. All the errors just wo n't stop. I have talked to numerous people about this, asked to talk to someone at corporate and I get nothing but a run around. I have a XXXX page time line of all the errors and mistakes that I have given to numerous people at BMO and still nothing is being done. Being a first time home owner I will never do this again. I have all paperwork and over 200 emails to back up all that I have stated if you need them.
We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.
I received an alert that equifax opened a dispute that I did NOT initiate for XXXX XXXX XXXX therefore dropping my score. Complaint number XXXX was made against them on XX/XX/18. Their careless acts can affect my ability to get a loan. I will find out what legal ramifications go along with this.