WillisBack/dataset-financial-user-claim huggingface dataset:
I am a student and I have an account with Bank of America. My account was compromised and a deposit was made to the account. The person/s who made the deposit attempted to withdraw the funds using a debit card. The transaction did not go through because in the interim the bank placed a hold on the account. my payroll goes into the account and is being held by the bank
My mortgage payments are made directly to my Mortgage company from my Credit Union account on a monthly basis. My original loan was with Chase and then was sold to XXXX XXXX Services. When it was sold to Chase XX/XX/2013 there were two payments that were never posted for XX/XX/2013 and XX/XX/2013. They were just forwarded over to XXXX and I have been charged with two late payments ever since that time going forward. I have contacted XXXX and Chase both to have them do an audit of my account and they both said nothing came out of it to change my account to bring it up to date to clear the two late payments. I have also filed a dispute on several occasions with the credit bureaus with no changes.
Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.
I chose Caliber Home Loans as my lender to buy a condo. I had 53 days before I closed on the condo. The seller chose a long closing because she had not found a place to move at that point. Although I had 53 days before closing, in order to make my offer attractive I did a 21 day financing contingency. Caliber was well aware of my 21 day financing contingency and ensured me it would not be a problem. I followed up with my loan officer everyday to make sure everything was going smoothly. She ensured me that everything was fine and we would be able to close on time. Not once during this process was there any issue or alarming matter or any kind. The appraisal was completed and came back clean at the offer price. I checked in with her to make sure that everything was in line and that there were no issues especially close to the end of my financing contingency. She again ensured me my loan was good to go and there were going to be no issues. I received a very alarming call from the loan processor, asking for my credit card information to pay for the HOA questionnaire and budget that had to be obtained online. Since there had been no mention of this previously, I assumed this process had been done a month earlier during the appraisal and financing contingency. Any lender who does their due diligence knows that when purchasing a condo, that is the first thing to look into. Caliber proceeds to tell me less than 24 hours before we were supposed to close that there is a huge HOA issue and that I would not be able to obtain a loan. The contract had to be terminated the day we were supposed to close and I lost all of my earnest money. If Caliber had not been so negligent in processing my loan and had worked in a timely manner, the contract would still have been terminated but I would have received my large amount of earnest money back, and not have been out of a place to live.
I recently submitted disputed a credit reporting for a credit card that has been filed and dismissed in a bankruptcy filed by my mother. I was the joint account holder.on my experian credit report it shows this on equips and transom that are showing them as charged off not.listing the bankruptcy which has a baring on my score
Experience predictory lending n Respa violation n filing a complaint for illegal foreclosure and acting as a third party debtor collector instead of lender/creditor. Need to verify if Bayview has consent order and register with MD commission finance office and in violation of FDPCA.
Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by Chase -Bank regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing Chase-Bank to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.
I have disputed this several times not only is this inaccurate Equifax has it twice on my credit file XXXX XXXX {$140.00}, no balance owed and listed twice XXXX XXXX {$750.00} unknown and no such debt owed, no validation is obtainable, remove Please help
I have been trying to get a validation of debt from  CONNS CREDIT CORP si nce  XXXX    XXXX   still no luck I have sent many dispute letters through all credit bureaus never received a answer
I received XXXX letters from OCWEN in XXXX XXXX XXXX Florida requesting that I submit a completed Tax Identification Form XXXX. The requested information was sent along with copies of SS card, loan document statements and a cover letter ( return receipt requested & returned to me ). A follow up conversation revealed their request was satisfied ; they had indeed received the information. Now, two days later I received a phone call from " collection agency '' stating they will be deducting money from my account if form not received. I advised that I will be paying off the loan before their XXXX XXXX, 2016 deadline. 
This is harassment!
I am currently in XXXX and every time I try to access Wells Fargo Online I have to call the XXXX call centre and obtain an advance access code. 
Can you please register my travel plans to XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Thank you XXXX
I originally owed XXXX $ but my credit report says I owe over {$800.00}.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
On XX/XX/2019 I received notifications from XXXX, XXXX XXXX and XXXX. I contacted the contacted XXXX XXXXXXXX XXXX XXXX XXXX. I explained to them that I have no Knowledge of this debt be owed. They told me also they did not have my address???? I gave them you address and the youn lady said she was going to try to resolve this. I told her I have no documentation of this and she named my bank and said I had paid $ XXXX years ago. She also said she was going to send me documents regarding the debt. They are in clear violation of the of the fair credit collection act.
Duvera Billing Services Is reporting a account on my all three of my credit reports which is XXXX, XXXX  and XXXX that dont belong to me. The account is showing a open status of XX/XX/XXXX and have a balance of {$1000.00}. I have reached out to this company XX/XX/XXXX and did not get any help to resolve the issue.
These are regarding my XXXX recent loans with citizens bank in the beginning of XX/XX/2016. I was quoted that the loans were 2.86 % variable for XXXX separate loans. the first representative XXXX XXXX gave this quote I emailed the documents so that was much faster. However he decide to combined them when told not to. Which delay the process. Which seems to be common practice not only with Citizens Bank other lenders as well to trap borrowers if the loan defaults. XXXX XXXX the left a voice mail as well of financial information which is a serious violation. Then I talk with XXXX XXXX he stated that the were separate and I emailed them to him as well because of the delay. This is costing me money in the longer run. I also gave me work schedule so that I could deal with this in a timely manner so that Citizens Bank had no excuse in getting of a hold of me. I then asked for a supervisor I spoke with XXXX. He stated that he would look in the matter weeks went by no word. I was getting frustrated. It then went to the XXXX which is the board of something and stated she would look into the matter. She is purposely calling when she knows that I am at work and ca n't talk
My XXXX XXXX husband my a XXXX Quick Pay transfer from his XXXX account to my XXXX account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my XXXX account. When I inquired to XXXX, they said it was accepted into a Wells Fargo account ending in XXXX, via clearxchange. I checked my personal Wells Fargo account, it did not end in XXXX and the money was not there. I called clearxchange, they said they only act as a clearing house for money transfers and that it 's a XXXX issue. XXXX says it 's a Wells Fargo issue and Wells Fargo does not find the money anywhere and says it 's a XXXX issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?
Wells Fargo flagged my credit for a late payment without notifying me that there was an outstanding balance on my account. I have multiple accounts with Wells Fargo and my information was up to date. Their " attempt '' to contact me was a quick phone call with no introduction and asking for the wrong person. Not only did they fail to introduce themselves at all ( name or company ), my name is on the account and they got it wrong. I figured it was just another telemarketer, but I found out later it was Wells Fargo! I have had this account for over 15 years with them and they could n't even complete a professional phone call to inform me of an issue with the account. Also, no attempt was made to email me or leave any messages. As soon as I was aware of the overdue amount, it was paid immediately but my credit score still dropped more than XXXX points. It was much easier for them just to cause severe damage to my credit than to make an attempt at customer service. I would not recommend Wells Fargo to anyone.
I received mortgage assistance from the State of Arizona through the Hardest Hit Fund program. As a result of this assistance my mortgage was brought current. However, through errors in application of the assistance payment by the servicer at the time XXXX XXXX XXXX XXXX the loan does not reflect as being current. I attempted to resolve this with XXXX XXXX but the loan was transferred to XXXX XXXX company and now it has been transferred to Shellpoint Mortgage Servicing. Yet after to CFPB complaints and a lot of time and effort this is still unresolved. Mortgage still shows as past due when it should be current.
I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no title.
I recently opened an account with Santander, experienced some fraudulent activity through no fault of my own, and had my account closed. Communication throughout the entire experience was terrible, and {$5.00} of my money was never returned to me. 

Back in XXXX, I received mail offering a {$400.00} dollar bonus if I opened a Santander checking account. I'd had some bad experiences with other banks, and was eyeing Santander anyhow, so I decided to give it a try. On XX/XX/XXXX, I opened a checking and savings account in branch. I had plans to open a business account as well, but was leaving for XXXX for two weeks, so decided to do that upon return. 

When I returned on theXX/XX/XXXX, I created an online account in order to transfer some money in and then set up direct deposit. I immediately noticed fraudulent activity which had occurred between the XXXX and XXXX. Someone had apparently deposited a bad check and withdrawn money from the ATM. Presumably they got ahold of my new ATM card somehow - it never arrived in the mail. As I had a mail hold from XX/XX/XXXX until XX/XX/XXXX, this would have had to be at the post office or at Santander itself. I called Santander to report this. They froze the account, saying I would receive results of the investigation in the mail. I eventually received a letter stating that the fraudulent charges were reversed. 

After the holidays, I called in to see if I could get another ATM card. After a lot of waiting, I was told that the whole account was now determined to be a fraud risk, but if I went to a bank I could close it and reopen. I was also told that the {$5.00} returned item fee from the bad check would be refunded. Upon going to the bank and attempting to do so, I was told that Santander would not allow me to open another account, and would in fact not refund that fee. I did leave with a check with my other money, but with quite a bad taste in my mouth. The banker was great, but it sounded like the person on the other end of the phone was telling him the bad news.

This fraud was very clearly not my fault, yet I was punished for it. I probably wouldn't have written this letter were it not for the {$5.00}. It's not a lot of money, but it's the principal of the matter - there is no reason Santander should not have given it back to me. The reasoning behind not restoring my account is also very suspect. I was told that some people open accounts in order to do this sort of thing, but that was clearly not the case - I both wasn't in the country, and had a mail hold so couldn't possibly have received the card. The banker even admitted it clearly wasn't me, but said that whoever was on the phone didn't care. All in all, I am very disappointed in Santander. I was looking forward to a new bank, but instead got a giant mess that cost me a lot of time - and {$5.00}.
Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.
For ten years I have been paying on this line of credit. I have beenpaying the required interest and making an additional payment onprinciple. Bank of America is now changing the terms to repayment over180 months at {$1100.00}. Which is over twice my current payment. On mySocial Security income will be impossible.
I use my mobile phone for my XXXX XXXX, and at my job, as I'm not provided a phone to call my sales leads. The company, Hunter Warfield for the last 3 years have called me repeatably during my working hours after I have clearly stated to them multiple times to call me after my work hours. They have called me for the last 2 months, and after I have advised to call me after work hours. On XX/XX/XXXX, at XXXX XXXX  I received a call from " XXXX '', I advised her that I was at work and the number she was calling, was my work Number. she continued to speak and I advised her to call me after hours when I get out at work at XXXX XXXX, she ignored me and continued.. I disconnected the call after advising I was at work. 

On XX/XX/XXXX at XXXX, they called again. I advised the same, that i was at work, and this was my mobile work number and they shouldn't call me during this time, they continued to speak and I needed to disconnect the call. 

Today on XX/XX/XXXX, at XXXX, XXXX calls again and continues with her script. I advised her I'm at work and can not speak to her, that she is calling me mobile work number and need to call me after work hours ... she continued to speak, I disconnected the call. 

They have called me from Multiple Numbers. 

Dates Below. 

XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX All of these hours are times which I'm at work and they are aware of this. I would like for them to stop harrassing me while I'm at work, and calling my work number.
XX/XX/XXXX,,, And 2 Months Ago Had Unauthorized Transactions On My Debit Card,, Had To Be Issued New Bank Card,, Was Never Sent A Letter To describe What Really,, Happened,, So UnAcceptable,,, And, XXXX Someone Enroll Me Into The Identity Theft Program Without Me Even Authorizing This,,, And,, XXXX,,, Charge Me Overdraft Fees,, Who Is Responsible For This,,, I'm So Disappointed With This Matter
W e were vacationing a hotel and used the Chase Credit card to charge the room fees. On our drive back home the hotel left a message that we had vandalism in our room and that this was being charged to our cred it card. This was in  XXXX  and the fraud department at Chase has never investigated this fraudulent claim / charge on my card. On  XXXX   XXXX  i cancelled all of my cards at Chase and ended a  XXXX  relationship with them over this issue. Now since then I have written  XXXX  additional time to the company and they have now been charging late fees and interest payments on the closed account. Today I started receiving the call from their collections department and have no sense of being exonerated with regard to these false charges placed on my card. They call regularly and have no information they have reviewed and I have to explain to them over and over but no one is listening in their customer services department.
XXXX XXXX XXXX is a creditor reporting on my credit. They sold the debt to XXXX XXXX, XXXX. XXXX XXXX went through proper channels to send documentation stating they own the debt. At least six months to a year went by and XXXX XXXX then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent any documentation proving they now own the debt. I did speak to them once to obtain a letter that reflects a payment arrangement. I did not sign the payment arrangement agreement. They got my debt in their office and started calling me along with my boyfriend before sending any documentation via mail or email. The one document I did receive was a payment arrangement that I did not sign. They still proceeded to take my payment anyway without my signature and have left me two voicemails today. I have zero evidence that they own this debt and each voicemail they leave keeps getting more aggressive & threatening each time. They are in violation of FCRA, as they are contacting me about a debt for which they have no evidence, if they do they have failed to mail or email me.
My wife and I are repeatedly receiving calls from a debt collection firm in regards to a cell phone debt that we do not owe. They refuse to provide any details about the debt and request us to call back at another number that never gets answered. This company refuses to send us any details via the mail to verify any debt. We have contacted our cellular provider and they have no knowledge of this debt or the company that is calling. 
The phone number we are receiving the calls from is XXXX and from what we can find via the internet is called XXXX. We have received 6 calls from this company in the past 8 days and an untold number over the past 6 months.
THIS IS A FRAUDULENT ACCOUNT SO I DONT KNOW ANYTHING ABOUT THE ACCOUNT.