WillisBack/dataset-financial-user-claim huggingface dataset:
I initially paid off a secured loan with Covington Credit TN, and a few weeks later received a letter stating if he wanted to borrow another {$500.00}, just cash the check at a bank and it would constitute a loan. I did so. I then got into some financial problems and was unable to make payments on the loan and fell 2mo behind. A man from Covington Credit showed up at our house at XXXX on the XXXX of XXXX ( my ex wife and I had gone walking from XXXX that day because we have no vehicle ), never told us his name ( and revealed information to my ex wife - she was outside with me when talking to him- and she was not included as a person they could talk to ) and told me I had til XXXX on the XXXX to come up with {$80.00}. I told the man I had no money til the XXXX when I get paid ( I get XXXX ). I offered to pay {$100.00} when I get paid. The man then told me if I do not pay the money by XXXX on the XXXX, I will be brought up on charges of fraud, reported as having an extra income to the SS department, and have my wages garnished. The man also questioned if that was us walking on the road this morning - which made us scared for quite awhile afterward because of the suggestion they are stalking us - we both suffer from XXXX a lot of issues in both of us. We had no food in the house at the time so we had been walking to the soup kitchen but were now afraid to do that. ( XXXX of our neighbors saw this though not sure how much he heard. ) The next day we noticed a white pickup sitting across the street from our house from XXXX ( it may be a coincidence I do n't know ). On the XXXX we received a mail - with mybname on it - stating they would take my belongings away if no payment ( for an unsecured loan ). We tried to report this on the XXXX but the cops said they had a right to do all these things. On XXXX XXXX we came home from paying our rent and utilities and buying food and found a letter placed on the outside of the door ( no tape ) with my name on the outside and all the information about his debt, the fact I owed on it and the collector 's information. Anybody could have taken that letter or looked in it while we were gone. On the XXXX of XXXX, we called to report someone at the door that was banging violently ( when we finally looked, it was the same man from Covington Credit ), again he left a note in the door. The neighbor ( different neighbor from before ) saw it happen and the way the man was knocking upset him too. Cops never showed up though they did call back a couple times to check on us. 

This is the Covington Credit located at XXXX, TN XXXX
A great nephew of my wife was murdered  XXXX . When we finally got the wallet after the trial, we found a  XXXX   XXXX  prepaid tax refund card and we were able to determined that there was a little over {$1000.00} in this account. We have been try to cash this card since  XXXX . Note the great nephew only has his mother  ( m y wife 's niece ) and my wife as relatives. The mother is in a  XXXX   XXXX  and my wife has a power of attorney for her. Since  XXXX , we have contacted  XXXX    XXXX    express ten times and have faxed then different information five times. Each time we respond, they would come back and with more information that they needed and we would comply. Finally, we received a letter from t he American Express Resolution Team requ esting forms filed through the court system. In checking with an attorney, we found that it would cost us far more way more then {$1000.00} to do this. American  Express has hindered us at every turn. I guess American Express will  get to keep the money rather then the mother who needs this money to fix her teeth.
In XXXX of XXXX, I began working with XXXX XXXX XXXX to receive a loan modification. I was told by XXXX XXXX XXXX not to make my house payment during the modification process. I provided information for them to work with Citifinancial to ensure that I would receive a loan modification. In XXXX of XXXX Citifinacial offered a forbearance and XXXX XXXX XXXX rejected the offer and submitted more information to Citifinacial for a loan modification. In XXXX XXXX XXXX XXXX had me sign a waiver allowing them to have power of attorney so that they could continue to work with Citifincial. XXXX XXXX XXXX told me Citifinacial refused to work with them any further without the waiver. So I sent a power of attorney to XXXX XXXX XXXX. I have tried to contact XXXX XXXX XXXX but was not getting call backs. I never heard anything from Citifinancial stating they had lost contact with XXXX XXXX XXXX and were not going to offer me a loan modification. In XXXX XXXX I received paperwork stating my home was be foreclosed and sold XXXX XXXX, XXXX. This is when I realized XXXX XXXX XXXX had closed its doors and scammed me and my family. I have been in contact with Citifinacial and would like to either have a loan modification or just start making payments. I do not want to lose my home. This has been a very stressful and unsettling time for myself and my family.
On XX/XX/XXXX I went on to my pennymac acc to make my payment and noticed that my payment for XX/XX/XXXX was {$500.00} more than the monthly payment I have made all year I called pennymac and asked them why and they told me that they had to pay more on my escrow and that they are going to charge me {$500.00} more for the rest of the year I CAN NOT AFFORD MY PAYMENT FOR XX/XX/XXXX AND WOULD NOT HAVE GOTTEN THE HOUSE IF I KNEW THAT MY PAYMENT WAS GOING TO JUMP {$500.00} THE NEXT YR THIS IS NOT MY PROBLEM AND IT NEEDS TO BE FIXED NOW!!! 
SOMONE SOME WHERE MESSED UP AND DID NOT TELL ME I WORRIED THAT IM GOING TO LOSE MY HOUSE THERE HAS TO BE SOME WAY THIS CAN BE FIXED!! 

AND THEY DID NOT SEND ME ANY NOTIFICATION THAT THIS WAS GOING TO HAPPEN!!
Bank of America recently added XXXX XXXX XXXX to their online banking and with out my knowledge or authority a unknown person hacked into my online banking accountant and swiftly transferred all the available funds remaining in my checking account. I became aware of this {$1500.00} transaction on XX/XX/XXXX around XXXX and immediately contacted Bank of America 's Fraud/Claim 's department and they put a hold on the account to review the claim. After waiting beyond the 10 days they promised to do the review of the claim, they stated on XX/XX/XXXX after i contacted them, that the claim was denied. It is unclear the extent of the investigation they did on the claim but it was denied. At the beginning of the claims process Bank of America was informed that my Employers computer system was compromised with Ransom-ware and most likely the cause of how my online banking account was hacked into.
I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my XXXX report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my XXXX and Experian reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for XXXX. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. XXXX rang and then went dead and Experian 's number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own credit report!
the mortgages that are with XXXX XXXX XXXX that are fraudulent have now been referred to Pioneer Credit for collection. 
I have asked this agency to cease and desist. 
All matters are now turned over to AZ State Banking, AZ Attorney General office, AZ Corporation Commission and XXXX complaint with Federal court, Audit of XXXX
Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.
XXXX XXXX opened up a unwanted credit card with an address I dont live at. I dont own the XXXX  anymore as I gave it back and that account was also with the wrong address. How is this right? I want everyone dropped. This is pretty much showing someone else. I dont even stay at the address they have.
My name is XXXX, and I have had the telephone number XXXX for three ( 3 ) years. For more than a year, FMA Alliance has called me several times each month, insisting that I am XXXX. After failing to convince them that I am not her, for several times, I looked up her phone number and address on the internet. I even called her to confirm the info was correct. I have given that to FMA Alliance three ( 3 ) different times, They still insist that I am really XXXX and that I am lying so that I will not have to pay the bill. So I have attached two ( 2 ) recent bills that confirm my address and telephone number. One is from XXXX the provider of my telephone service. The other is from XXXX the company that provides my electricity and internet. Please try to convince FMA Alliance that I am really XXXX, not XXXX. XXXX address and phone number : XXXX, TX XXXX, XXXX
I received a summons today XX/XX/XXXX for a lawsuit filed XX/XX/XXXX by Access Group, a lender for a private loan from XX/XX/XXXX that my credit report shows I have n't made a payment on since XX/XX/XXXX. They can not even report this time-barred debt and suing on it is illegal. I am in the process of trying to buy a house and I can not afford to have this issue come up on a search.
They said I got approved for a XXXX loan, they was going to put {$490.00} they told me not to spin it, they want to get XXXX XXXX cards a $ XXXX one @ 2- {$50.00} dollars one, total came to {$600.00}, I only had {$100.00}, so they told me to get the 2, - {$50.00} one, a {$100.00} came out if my account, they never put the loan in my account, the bank said they had a check for {$490.00} they signed my name on the back of check etc.
Synchrony Bank contacted me as a result of a complaint I filed last week. My complaint dealt with how they allocated all of the additional payment on my Care Credit account to the interest-bearing purchase and none to the soon-to-expire promotional purchases. I had to call XXXX to get the allocation changed which took about XXXX minutes each time. When the representative called me, she explained that the legislation passed in XXXX required them to allocate any overpayment to the balance with the highest interest. Since the promotional payments had no interest if paid off in time, they had to credit the interest bearing purchase. I believe this is a technicality or interpretation that Synchrony has made that enables them to profit from the accrued interest on interest-free promotional purchases and was definitely not the intent of XXXX when the consumer protection legislation was passed.
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/XXXX our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/XXXX and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX  XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. 
They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. 

How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. 
I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. 
I pay on time but the loans are getting larger. 
The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.
I made a truck payment in the amount of XXXX on XX/XX/2018 and looked on my account and only XXXX was applied to the account. I can't get them to even acknowledge this much less fix it. I have proof in my bank account that the XXXX was taken from my account as I did this electronically. 
The company is Wells Fargo Dealer Services.
I had a vehicle purchased through USAA and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of USAA made payment to USAA bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from USAA. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted USAA to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.
Unauthorized withdrawals were made in XXXX and XX/XX/2019 totaling approx {$900.00}. From government issued card XX/XX/XXXX. ( Widows pension )
When attempting to get my credit report from all three reporting agencies using https : //www.annualcreditreport.com, I was given an error message that Experian was not able to process/handle the request online and that I would have to manually fill a form and send via mail in order to receive my report.
Over this past year Ive gotten numerous phone calls from XXXX ; Bank of America, this last one at XXXX, XX/XX/2018.they are insisting that I am Late with my payment. I have never been charged with a late fee for my mortgage, and Ive had this mortgage for five years. Nastily Ive been told that Paying in the grace period ... means I am late, and what am I going to do about it. Well Im XXXX and as soon as my checks are cleared, I write my morgtage But that doesnt seem good enough ... then the woman got real nasty and said if Im renting to anyone, or not living there my interest rate should be higher..I told her no I am the only one that lives here and that I am homesteader in XXXX XXXX, Florida . 
Six months ago, they called to check to see if I was a foreigner ... and asked for a copy of my passport.
I am not familiar with XXXX Acct # XXXX XXXX I never apply for this kind of credit Look like some one do FRAUD
I called Bank of America  on two s eparate occasions to discuss  (  4  ) overdraft charges totalling {$140.00}. Both representatives refused to refund any of the fees and basically said that the bank has an automated system that decided who gets fees back and who does not. I was treated very poorly and kept on the phone  for 30 minut es only to be told they could not help me. I have since cancelled all direct deposits to the account and am in process of closing it. That bank is disgusting.
On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Bank of America ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Bank of America and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final.
I filed a dispute with Equifax to have a collection account that does not belong to me removed. I believe that they did not investigate this matter properly because it was removed from my other credit reports immediately. I received an email from Equifax stating that the dispute was complete and it wo n't even allow me to see the information.
Plaintiff asserts Equifax Information Services, LLC ( " Equifax '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. Equifax not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements XXXX drafted from Mr. XXXX bank accounts, XXXX sent a statement to Mr. XXXX XXXX account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery Equifax never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into Equifax, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XXXX XXXX creditor receiving payments made via XXXX XXXX via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XXXX XXXX XXXX committed fraud against Mr. XXXX government employee and service member. Equifax knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and Equifax retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers Equifax and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.
I disputed this account with XXXX  on XX/XX/2018 information on my credit report was updated but the information was not removed and XXXX advised me to dispute directly with Chase. I contacted Chase and explained to them that the account that they are reporting on my credit report was fraudulent and Chase sent me a Fraud Affidavit to fill out., after I filled out Chase Affidavit along with a police report, Chase denied my fraud affidavit and refuse to remove the fraudulent account from my credit report without a reason.
I received an anonymous call at XXXX XXXX on XX/XX/XXXX which I ignored. The perpetrator ( who said his name is XXXX XXXX or XXXX? ... ) left me a voicemail claiming that he wanted to send a notice out to me and he wanted to advise me that it had to be signed for upon delivery. He left a number to call back XXXX and told me to use reference number XXXX, when I called he claimed that I was going to have my paychecks garnished by TD Bank. I do n't owe TD bank any money and my account was closed for inactivity back in XX/XX/XXXX/XX/XX/XXXX. I do n't know what is going on but this must be some kind of scam. Attached is a copy of the voicemail audio. Thank you for your time and anticipated assistance. <P/>Note : This is the third time I 've been contacted by someone about this bogus TD Bank debt over the last three years. <P/>Regards, XXXX XXXX
this account was supposed to be paid by insurance company. I saw this debt on my credit report and discovered hippa was violated by disclosing the nature of services provided. FCRA-605 ( a ) ( A )
I was a victim of Identity theft XXXX years ago. I resolved the issue obtaining a police report and submitting it to the company and credit bureau and it was removed from my credit reports. Three years ago I discovered the debt was sold to a third party creditor who in turn confiscated my tax return. I was on XXXX at the time and did n't have the means to dispute with a lawyer ( I did try to fight it previously, but the judge told me to get a lawyer ). When the judgement expired, that Midland Credit Management had obtained XXXX years earlier, they purposefully sent the paperwork for a new judgement to the wrong address so that I could not show up for court, and was able to renewed the judgement. Keep in mind none of this has been on my credit report and I have never been notified!