WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX someone tried to open a XXXX account using my name. A fact I learned after I received a letter from them dated XX/XX/XXXX about the fraudulently obtained account. I called them immediately to have it removed. I also placed a 90 day fraud alert with the major credit reporting companies on XX/XX/XXXX and that is clearly documented with them. I thought the thief had been stopped in his/her/their tracks but I recently discovered on a newly obtained credit report from XXXX that on XX/XX/XXXX ( just 2 days after I placed the fraud alert ) someone opened a fraudulently obtained account with XXXX ( Commenity Capital Bank ) and charged {$7500.00}. Then Commenity tried to collect by calling me over and over. I suppose I should have called back the many messages I started receiving on XX/XX/XXXX ( I have every single one of the recordings and there are a lot ). Each message was from a different person with a strange title and very threatening but did not explain the exact nature of the situation only that " an urgent matter ha [ d ] come across [ their ] desk. '' Not knowing yet about the fraudulently opened XXXX Credit card, I assumed they were just some kind of scam. Around XX/XX/XXXX, I noticed a big dip on my credit score on my XXXX account so I called them. They said I should call XXXX. I called XXXX. They could n't tell me anything but sent me a copy of my credit report. XX/XX/XXXX I received my credit report and discovered the fraudulently opened account opened XX/XX/XXXX ( 2 days after I had placed a fraud alert ) and charged {$7500.00}. I also noticed a wrong address changed in early XX/XX/XXXX and an errant phone number and various other inquiries I knew nothing about. This has been a huge headache and has taken me weeks to correct and I 'm still attempting to remedy this situation. It is incredible to me that 2 days after I placed a fraud alert, that XXXX opened an account with a {$24000.00} limit ( something I do n't think I 've ever been offered by anyone right off the bat ) and charged a whopping {$7500.00} on a newly opened account using my credit with had a fraud alert. This account should never had been open and I believe XXXX through Commenity Capital Bank has caused me a lot of pain and suffering and loss of income and credit. I was denied credit. This is gross negligence and I have ample documents to back up all my claims. I am only enclosing a few that prove the errant charge. Before obtaining counsel, I would like to just settle this matter between us.
I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau.
I was a victim of fraud and have a fraudulent account on my credit reports with XXXX, XXXX  and XXXX.
Capital One B account was opened in XX/XX/XXXX with out my knowledge. Account XXXX. Balance is {$3300.00}. During a routine security clearance investigation by the XXXX in XX/XX/XXXX I was informed by the special agent handling my clearance that I had a closed account and Capital One bill. I was stationed overseas at XXXX XXXX XXXX, XXXX when this occurred. I did not give consent for this account to be opened. Also, I have no bills or have not been provided any documentation from Capital one B. I contacted Capital One B to resolve this debt. Additionally, a recorded statement was also made with Capital one B that I never used their services. Capital One B requested documentation showing that I was out of the country and were provided via FAX per there request.
My family and I live in insecurity, which apart from our economic situation we have been facing since 2007 by the economic crisis that I hit us, we have used various means such as law offices, offices that meet mortgage problems, deal directly with the XXXX XXXX XXXX and it 's all the same bank fraud treatment calcularnos As we won without being certain to reach a payment at your convenience, we have been going from bank to bank and are today with green tree, my house cost 400K and today day no 260K worth more, the last lawyer who seek told us that there was a mortgage fraud because there existed the original mortgage note among other irregularities at the time of sale, but wanted 15,000 dollars to help eight years later I have not solved anything and if XXXX XXXX intentions on the part of banks and could have been a solution to this problem. Our little XXXX does not allow us to clearly understand the process and we are afraid to take any decision. May XXXX have mercy on our family.
This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children
I have sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since 2009 and is still report on my file and was update from some slimy collection agency in whom I have not went into contract with
This is the third time I 've written to you about this problem with Nationstar. They continue to charge me for homeowner 's insurance and attach the charge to my mortgage, even though i do n't want that insurance policy and made sure it was cancelled by XXXX XXXX. when i write to them, they say they have to do further research and i never hear from them. they will not allow me to make payments for less than what their website shows, so i am falling behind because i will not pay what i should n't be charged for. loan # XXXX XXXX XXXX XXXX
XXXX XXXX XXXX  AND XXXX XXXX TRYING TO CHARGE EXCESSIVE FEES ENCLOSED ARE DOCUMENTATION THAT WAY OVER THE AVG COST FOR CLOSING WITH XXXX XXXX
Item sold on XXXX XXXX, 2016, posted that day, delivered same day with signature and PayPal are holding payment until XXXX XXXX, 2016 even though eBay say payment should have been released when the item was delivered. I have contacted Financial Rights and they say they can not hold payments and to contact Legal Aid. I have also contacted Financial Ombudsman Service and they also said they would contact PayPal about holding money with no cause. 
PayPal is holding the payment to collect interest off the money from their merchant accounts it is illegal to hold the money for 21 days with no good reason. PayPal have been sued numerous times during the last 15 years and still continue to practice financial process in their business. 
No other financial establishment holds customers ' money that long. If a bank practice this type of process they would be sued by their customers.
THIS IS A PROBLEM WITH XXXX XXXX XXXX XXXX. 

My loan was made and closed in XXXX with the first payment due on XX/XX/XXXX. I made this payment and then the loan was sold to XXXXXXXX XXXX   for servicing. I paid the payments to XXXX electronically until XX/XX/XXXX. At this time, the loan was sold again. This time to GMFS. During the transfer to GMFS, a payment was credited to XXXX in XX/XX/XXXX, but did not catch up in the transfer process. GMFS asked for the proof the payments were made and this information ( Bank Statements showing the withdrawals ) for every payment on the account was provided on XX/XX/XXXX. Today, XX/XX/XXXX, I was told they are still researching the missing payment and will not correct any negative credit reporting until they complete their research. I feel like this is a very simple fix and GMFS has not and is not doing its due diligence to protect the integrity of the consumer.

GMFS provides the absolute WORST Customer service of any servicing provider I have dealt with in over 40 years.
I signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.
I lost my home back in XXXX to foreclosure after being underemployed. I worked very hard to receive assistance with a loan modification through Wells Fargo Home Mortgage and I was unsuccessful. I gave them every piece of paperwork they requested and still received no help. I now have a {$120000.00} balance on my credit report. I do n't feel I was given a fair chance to catch up payments/loan modification which resulted in me loosing my very first house ( purchased in XXXX ).
1. My deceased husband 's property that he owned with his parents who are also deceased was foreclosed on XXXX XXXX 2016. According to the court records the foreclosure process was filed on the same date as when the paper work was supposedly served to my deceased husband. However, my husband was never served as he was hospitalized prior to his death during this time frame. 
2. Prior to his death, my husband, and our son tried multiple times to resolve the debt, but were mis-led by the debt collector on how to resolve the debt.
My payment were set up for about XXXX every two weeks. I was in a bind and could only afford XXXX a month. The company reluctantly accepted the XXXX a month. XXXX i wasnt able to pay anything. The account is almost in default. Charges are XXXX. The harassing phone calls began. I asked them to stop and they have not. Calls are made 4 times a day everyday every week. On XXXX i again asked to stop. They said i was getting smart with them. Then stated calls would n't stop until that payment was made.
XXXX XXXX has a debt listed my credit reports ( TransUnion-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX MN XXXX Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
To whom it may concern TOTAL FINANCE AC, LLC located at XXXX. XXXX IL XXXX ( XXXX ) XXXX. 
My purpose is so that everyone gets informed and know these people are frauds. 
My name is XXXX and I have a big issue with this financial group. The problems started when they could n't show me my payments and with the overall balance. For a little over 2 years now I 've been with them. I have also have asked to speak with a manager but they have denied me that privilege and only handed me to speak with someone on the phone but I needed someone in person so they can explain to me my issues. I have a feeling that they did fraud since beginning of my contract, They also do n't explain anything through the process of signing the contract. I 'm not the only one, I asked several of the costumers they also felt as XXXX as me. Please, I ask you to help me because I feel deceived by this financier since my contract. Thank you You can contact me at ( XXXX ) XXXX. Or Email : XXXX Sincerely, XXXX
I am being charged a late fee o f $ 700+ d ollars by a loan servicing company by the name  of ACIMA whi ch was formerly known as   XXXX   XXXX  . I signed legal documents authorizing this company to take out automatic payments every other week of the amount of {$100.00}. However when it was time for the 90 day buyout option for my furniture I was misinformed by a representative and charged a late fee. No where on my contract does it say I was to call this loan servicing company authorizing a final payment I already signed a legal document for.
I have not been receiving the XXXX XXXX Reward Points posted to my XXXX XXXX  account by Barclays the issuer of the XXXX XXXX Visa Card. I have been awarded unposted point totals of XXXX on XX/XX/XXXX, XXXX points on XX/XX/XXXX XXXX points on XX/XX/XXXX and XXXX on XX/XX/XXXX. I I sent the company an e-mail on XX/XX/XXXX, but the company has still not addressed the issue.
I have a credit report dated XX/XX/XXXX in which it shows the XXXX XXXX XXXX account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the XXXX XXXX XXXX account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account XXXX XXXX XXXX is listed with Transunion with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with XXXX XXXX XXXX and Transunion but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.
I opened up a checking and saving account with Key bank in XXXX Washington, on XXXX XXXX 2016. I was told by the teller she has order my debit card and checks the day of opening. And that it would take XXXX 10 business days to arrive to the bank. I was called on XXXX XXXX to pick up Checks. I thought I would be picking up my debit card as well. When I went to go pick up my checks there was no debit card. I was then told by another teller that my debit card was never ordered. I request for a manager to give me a call back. But the manager never called me back to check on my concern. Then 3 days later an ATM card was issued to me that did not help with any thing but accessing my funds from an atm. At this point I never received a call from the manager to express no concern. Today is XXXX XXXX 2016 and I have not received a debit card. There was no concern shown for me nor any express of apology shown for the inconvenience about me no receiving my debit card.
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Openroad Lending ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Openroad Lending is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
It is very clear that Transunion is providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015 and XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Creditor , XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX was complained about in BBB Case # XXXX. According to XXXX XXXX, XXXX ext. XXXX, the creditor declined to engage in a dispute resolution procedure in XX/XX/XXXX. In XX/XX/XXXX, creditor forwarded one of their disputed accounts with me to CMRE ( account # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX. On XX/XX/XXXX, I emailed XXXX a summarization of dispute history -- requesting it drop XXXX XXXX XXXX account per its unethical administrative conduct. To review , XXXX XXXX XXXX ( ACCT.XXXX ) forwarded for collection my disputed balance owing to a variety of  outside agencies without regard for billing errors. My emails to CMRE received no reply, but collection calls continued. BBB 's complaint # XXXX was started in XXXX XXXX in order to address CMRE 's deliberate indifference about XXXX 's conduct. In reply to BBB,  CMRE sent statement of PT services dated XX/XX/XXXX. In email reply to it, I addressed their record as not at issue. The dispute, rather, was about XXXX 'S broken promise to provide " in network '' benefits for my XXXX " XXXX XXXX '' policy first discussed with its Insurance Benefits Supervisor, XXXX.Instead of addressing XXXX 's dodginess re : billing error ( an internal matter after reported services ), CMRE simply provided reference to activities occurring prior to dispute -- changing the subject. So CMRE perpetuated XXXX 's refusal to address original cause for concern and create false inference that balance reported owing was without question marks. On XX/XX/XXXX, CMRE sent another form letter without contact info or reference to materials it received this month demonstrating support for my position that XXXX 'S reused to provide a dispute resolution procedure to which I was entitled over a year ago. Please note that XXXX 's has more than one account number, but all it 's accounts for me remain in disputed status with respect for above.
Dealing with communication tactics and improper contact to third parties ( family and relatives ). He has gotten ahold of me multiple times and knows the number to reach me at, but continues to call my husband ( multiple times ) my husbands father, my mother, my brother and possibly others ( these are the only ones who have reported getting a strange call from " XXXX XXXX at CAI trying to reach XXXX XXXX, please have her give me a call back. '' in voicemail. Of course family has googled CAI and his name and found it to be debt collection- which I find in direct violation of FDCPA and my rights. His harrassment continues and when I tried to reach him by phone have been told he is " on a conference call '' and will call me back- so phone calls are always on his terms. He wants me to consolidate this privately held student loan into my federal student loans ( Which I was told not to do due to interest rates skyrocketing ). I explained all of this to him and he continues harassment.
I currently have my loan under Freedom Mortgage and under contract through them pay into an escrow account that is to be withdrawn in the amount that is due for property taxes for my home. My taxes were due on XX/XX/2017 for XXXX County TX, when viewing my Freedom Mortgage 's website I see a transfer for the full amount and a very brief transaction message that only displays the day " XX/XX/2017 '' that the payment was " supposedly '' sent, however the county has received no such payment, in fact I have had to play the middle man with the tax collector and freedom mortgage for the past 2 months, and nothing has been fixed, I 'm being riddled with late fees, and if this is not fixed soon, I could lose my house. Freedom Mortgage has offered little to no aid when I call in, and they are not treating this issue with the urgency that is required. I need this fixed, and I need your help to do it.
I have several Kohl 's cash I have been trying to use because they expire on XXXX/XXXX/2016 ; XXXX/XXXX/2016 ; XXXX/XXXX/2016. 

I have been billed on my Kohl 's Capital One credit card {$9.00} for order # XXXX ; another {$9.00} for order # XXXX ; and yet another {$24.00} for order # XXXX. I received an email from Kohl 's representative XXXX XXXX XXXX stating " XXXX, I have verified that your order was cancelled due to information mismatch ''. Consequently, we re-entered the information correctly so there was no " mismatch ''. Still ca n't get the order processed before the Kohl 's cash expires. Very frustrating. Have over {$100.00} of Kohl 's cash that needs to be used.
I have sent XXXX certified letters to Rash Curtis and Associates to have a fraudulent collection account removed from my credit and they continue to ignore but they are apparently responding to the credit bureaus advising them that the account belongs to me- it does n't!!! 

Originally they were reporting XXXX unknown accounts then they were removed and all of a sudden a new account appears with a different account number # XXXX
XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.
I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit card.