WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX 2017 I was checking my wife phone when she was on XXXX cause it was n't working right so I call XXXX and the person said I was been hacked so he said he 'll fix it so I let him in to fix it, I did n't know it was a hacker I was talking too, the next day I put money in the bank and I notice all my money was gone in my checking and saving account, I told the bank and went to the police and got a police report show it to the bank I had to between 30-60 days for an answer after 5 weeks the bank told me I would n't get my money back cause I let the hacker in to fix my laptop so I lost {$1300.00}
I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX/XXXX/2016, XXXX XXXX on XXXX/XXXX/2016, and XXXX XXXX XXXX XXXX XXXX onXX/XX/2016
Violation of Fair Credit Reporting Act ( FCRA ) section 611. TransUnion File Number : XXXX. On XX/XX/2018 I mailed a request for the " Method of Verification '' regarding investigation results dated XX/XX/2018. ( See attachment. ) TransUnion received my request via certified mail on  XX/XX/2018. ( See attached copy of certified mail receipt. ) TransUnion replied with a letter outlining the " investigation procedure. '' ( See attachment. ) I did not request the " investigation procedure. '' The " investigation procedure '' was already provided with the investigation results. I specifically requested the " method of verification. '' Furthermore, I contacted TransUnion via phone on XX/XX/2018 and the representative named XXXX XXXX, stated the " method of verification '' was an electronic source known as " XXXX. '' Why am I receiving contradicting information? Over the phone I'm told one thing and via mail I receive a response which does not pertain to my request. TransUnion is in violation of the FCRA section 611. " XXXX '' is not a valid " reasonable investigation '' as defined in the Fair Credit Reporting Act ( FCRA ) and a recent case in the U.S. Court of Appeals, XXXX vs. TransUnion. TransUnion is using stall tactics and sending me deceptive correspondence in order to avoid written documentation to me with the " method of verification '' for the dispute. TransUnion should be held accountable to the fullest extent of the federal, state and consumer protection laws which have been violated. cc : FTC, Florida Attorney General.
I was at Bank of America branch on XXXX XXXX XXXX in XXXX   Florida. I was trying to find out how long you was going to hold a check from a life insurance policy on my wife dad. I talked to XXXX the bank manager and he took me to a teller who before she even checked or found out if I wanted to deposit the check stamped it right off for deposit only to my account. And then when she checked I could only get {$200.00} right off and the other {$2300.00} would be on hold till Weds. I said that is not acceptable need the money right now. the check was on XXXX XXXX and we called the XXXX XXXX in XXXX  to be told can not cash the check since it was stamped and no check cashing place would either since it was stamped. So I go back to the Bank Of America branch on the same day XX/XX/2018 to be rudely told by XXXX  the bank manger because I was upset as your teller XXXX   me over big time stamping it right off. to be told by XXXX the bank manager when I took my hand and said your teller stamped it without my permission messing me over big time to take my check and leave his bank is this the way customers are supposed to be treated? You have lost a long time customer of your bank due to their unprofessional attitudes toward the customer and this is a customer who is fixing to at any time come into a very large amount of money and as soon as I can get my social security checks and my sons transferred into another bank that I will open up an account with am done as been treated so badly several times by your bank am done as that is no way to treat someone not even wanting to fix their own mess up or help the customer am very upset.
Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX XXXX   causing me to lose my job and file for XXXX ( which still has not been approved ). I advised Navient on my conditions and a forbearance agreement was animated on my account sometime in early 2017. Ultimately I was forced into bankruptcy. Navient was aware of my bankruptcy proceedings. shortly after my bankruptcy was discharged I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this XXXX. 1st the XXXX of a private school loan not being discharged in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government  needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does Navient get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to enslave it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked Navient on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to Navient and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to Navient that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? Navient has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO TORTURE ITS CITIZENS?
both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating XXXX, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX transunion claims no such remark is showing on file but recent report from transunion sent out XX/XX/XXXX from them is not accurate.
Good afternoon, I am making a dispute against XXXX XXXX, Bank of America Credit Card and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
I purchased this card and tried to use it online on XXXX to pay my account balance. I tried using the card but it kept getting declined. I called the number on the back of the card and was told that XXXX is a " blocked merchant. '' The customer service representative said US Bank maintains a secret list of blocked merchants at which they do n't allow their prepaid cards to be used. This is completely deceptive. The back of the card says it is accepted anywhere XXXX is accepted. It makes no mention of a " secret '' blocked merchant list. I believe this secret list is to make it harder for people to use the cards so US Bank can collect inactivity fees or hope people just do n't use the card.
Equifax is reporting 2 accounts with XXXX XXXX  XXXX that are past the statue of limitations the as per the bureau the XXXX and the other is XXXX and both are over 7 years old and should not be reporting the other is XXXX XXXX XXXX XXXX it actually had a charge off date over 8 years ago and again should not be reporting.
Some time back my account was fraudulently charged mutliple times, I never gave authorization for these charges. I contacted TCF multiple times by phone, even spoke with a manager. TCF completely refused to work with me, to discuss the fraud activities and even refused to investigate them. I should not have to pay for charges i did not authorize. I trusted TCF to look into this and resolve this, instead they were completely and utterly inept, incompetent and completely unwilling to help me. They refused to file disputes, they refused to look into the transactions i told them were fraudulent. Furthermore they are trying to charge me for transactions that they technically didn't even cover. While they did waive half the balance bringing the new amount to about {$68.00}. They did not resolve the issue and expect me to pay for something that i never initiated or approved. This is borderline fraud from TCF. They have not only done that but placed my account in collections harming my credit score. I want the full {$68.00} balance on the account removed and the account removed from collections. If TCF is not willing to comply I am willing to sue them for unethical business practices, fraudulent activities including fraudulent extortion attempts, and personal damages, and i will make sure that they pay a lot more than the false {$68.00} they are trying to extort from me.
The original VA home mortgage was through XXXX XXXX XXXX and sold to Carrington Mortgage Services , LLC . Original mortgage was 6 years old, and I have never been late on a payment. 

Carrington raised my payments {$140.00} a month without an explanation and on XX/XX/2018 when I called I was advised that they had added a 1/6 percent " cushion '' to cover any shortages in escrow that might happen in the future. I had the exact amounts that cover the tax for XX/XX/2018 and also the insurance, so there isn't a guessing game on what is or will be owed. 

This is wrong! If I come up short, I should be given the option at that time of paying the difference immediately or having the additional amount added to my monthly mortgage payment. This is no different that having to pay PMI.
I am paying late 2014 IRS taxes. In XXXX the IRS took out XXXX payments of {$250.00} by mistake. I scrambled to get money to cover the payments. I could not verify thedate for XXXX. There was no pending payment listed on line on XXXX XXXX. 
I bought a plane ticket to visit my family at a great price of {$310.00} on Sunday XXXX XXXX. 
On Monday the XXXX, the IRS took out a {$250.00} payment and the plane ticket was listed as pending. I called the bank and asked if they could stop payment or holdthe {$310.00} payment until Friday XXXX. The person said she would take care of it and I was lead to believe there would be no charges. I did not proceed further with the airline. 
I checked all week online and the {$310.00} was listed as pending until Friday the XXXX. Then the {$310.00} was listed as paid on Monday the XXXX and XXXX overdraft charges of {$35.00} totaling {$100.00} were deducted from my account. When I called thebank, a manager told me that the charges were normal and she would not refund the charges. The bank has a new policy that a general manager must approve refunds. If approved, the refund is sent by check by mail to the customer rather being redeposited into the account. This process takes weeks. The very high charges and lengthy refund process place customers at risk of more charges. 
I work with XXXX and donot have much money. In XXXX, I finished paying off over {$22000.00} in credit cardwith this bank.
This is a work number. They keep calling the reception desk and asking for me at work. Please make them stop!
On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX " fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another " international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned.
Equifax, a credit reporting bureau responsible for tracking and maintaining the credit score that allows me to function properly as an American citizen, failed to take adequate security precautions or implement adequate security measures to protect my Personally Identifiable Information ( PII ).
Specifically, due to their own negligence and substantial information security failures, Equifax caused my most sensitive PII ( SSN, Name, Birth Date, Addresses, Driver 's License Number, etc. ) to fall into the hands of an unknown and demonstrably malicious agency.
This is evidenced by Equifax 's own website ( http : //www.equifaxsecurity2017.com/ ), which contains their response and actions taken. I find those actions to be wholly inadequate, given that my PII will be critical for the rest of my life, and is now and forever more will be readily available to external malicious actors.
the agent/case handler threatened to garnish my wages if I did n't pay the balance off. without a proper court order/judgement they are n't not allowed to garnish my wages.
I keep getting collection calls for a " XXXX XXXX XXXX '' ( have only heard it, so it might be spelled differently ). I am not this person, nor related to this person, nor know this person. I have called the company before and told them they have the wrong person. However they continue to call and have called for more than a year now. <P/>Here is one of the latest voicemails from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " This message is solely intended for XXXX XXXX. This is XXXX calling you from CRS. This call is in regards to a legal matter that has been linked to your name and social. If you 'd like to make a formal statement, please contact our office at XXXX. Make reference to case number XXXX. '' Another voicemail from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Another voicemail from ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Other phone numbers used with similar messages : ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I told them they had the wrong person on XX/XX/XXXX. I was told they would remove my number.
My mortgage is currently held by Nationstar Mortgage. I have a 30yr FHA loan. About a month ago I received an unsolicited phone call from Nationstar offering refinance options. In the process of discussing that, their representative discovered that based on the amount of time I have had my loan, the fact that I had missed no payments, and my loan to value ratio, I no longer needed to be paying mortgage insurance. I have no idea how long I have been needlessly paying MI, and Nationstar certainly did n't offer to tell me, or to refund the unnecessary payments. Had I not happened to have this phone conversation I NEVER would have realized that I no longer needed the insurance. I foolishly assumed it would stop being charged when my loan to value ratio reached the threshold. When I did a XXXX search about this issue, I came to find this is an industry-wide problem, and one of the articles I read led me to the CFPB web site. So at this point I 'm assuming I 'm just going to have to take this one on the chin, but this company has provided me with such horrible service in general I felt moved to file a formal complaint about having been truly XXXX out of money for insurance that I did n't need.
There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Transunion has failed to give me investigation result.
American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX
In approximately XX/XX/XXXX or XX/XX/XXXX I notice unusual activated on two on my credit cards ending in # XXXX and # XXXX which are the new cards that Bank of America issued. When I notice the activated I went to my branch office and reported it. we requested that all account be closed and open new ones. they filed a fraud report and advise that I just replace the credit cards, so I did. The new cards came in about a week later with instruction on activating then, I called to activate them and they refused to do so said they were investigation the account, i replayed that they should since i reported it. I since have have had several conversation with branch office and credit card division the branch office didn't seem to understand what was going on. I ask the credit card division if they were not going to reopen the card to lower the interest rate and either combine the cards together for a lower payment since i could not use them. They replayed that I was making the payment and that they could not do that. As of the middle of XXXX the credit cards have been taken off line which is how i look after them and make payments. 
I feel that they have mishandled the case all the way around. I do not feel that I should have to pay high interest rates on accounts that I can't use. I thought I was doing right in reporting the activated on the account...
On XX/XX/XXXX I received a collection notice from Bank of America, stating I have a principal mortgage balance of {$150000.00} and the account is past due {$84000.00} and the property is in foreclosure process. The property this account is attached to was sold by XXXX XXXX County in a Tax Deed Sale on or about XX/XX/XXXX and all the proceeds from the sale of this property were held by the XXXX XXXX office. Since XX/XX/XXXX this same property has been bought and sold multiple times. 
I contacted Bank of America multiple times and advised them of this matter and they continue to be unresponsive and disregard all the documentation I've sent to them. 
I've disputed the fraudulent posting Bank of America has placed on my credit reports multiple times and the Credit Bureaus continue to state the Bank of America posting has been verified as accurate.
In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.
I have been trying to get my equifax credit report for some time now. everytime I try to get it I get told to call in to verfiy my identity. This happened tonight and I called into verify my identity and the woman on the phone was extremely rude and HUNG UP ON ME and would not give me my report or scores. I URGE equifax to listen to this taped call as she was rude as can be and did not transfer me as requested. She would not help me and claimed she could n't get my report nor find someone to help me. Now a few years ago EQUIFAX MIXED UP MY IDENTITY AND CREDIT REPORT with a woman in XXXX. I am in XXXX. I had to escalate to their executive team to get help and I fear this needs to occur again as I think they mixed up my identity again. Before I file a police report and law suit I need equifax to give me the report on file for me. I called, email, and try the website and no one will help me. Please FIX THIS.
I have an account in collections from XXXX that is being handled by Pinnacle Credit Services. The balance has ballooned from just over {$50000.00} to {$110000.00}, more than double.
I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX  in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments inXX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.