WillisBack/dataset-financial-user-claim huggingface dataset:
I AM REPRESENTATIVE PAYEE FOR XXXX XXXX VETERANS AND HAVE DEPOSITED THEIR CHECKS IN MY NAME AND THEIRS IN MY BUSINESS ACCOUNT FOR OVER 15 YEARS. TODAY BANK OF AMERICA REFUSED TO DEPOSIT THEM UNLESS I OPENED A SEPARATE ACCOUNT IN MY NAME AND THEIRS. I WILL CONTACT SOCIAL SECURITY ABOUT AUTOMATIC DEPOSIT IN A PERSONAL ACCOUNT, BUT THE MANAGER XXXX XXXX WOULD NOT SHOW ME THEIR RULES AS TO WHY I COULD NOT DEPOSIT THESE CHECKS. I CONTACTED MY SISTER, XXXX XXXX XXXX ( WHO IS A BANK MANAGER AND HAS BEEN FOR 30 YEARS ) AND SHE SUGGESTED I TELL THE BANK TO CASH THE CHECKS AND THE BANK DID, BUT IT CHARGED ME A FEE TO CASH BOTH OF THESE CHECKS. THIS IS TARGETING VETERANS TO OPEN ACCOUNTS THEY DO NOT NEED OR TO CHARGE THEM A FEE.
On   XXXX   XXXX   XXXX     I went to redeem some points to purchase an   XXXX   XXXX   XXXX    XXXX   tablet . By mistake I entered it twice. There is no page before submitting order to check for correctness or edit anything so I did not realize I had ordered  XXXX  in error. Withi n 5 mi nutes I called the company & they stated it is their policy not to allow returns or refunds & they could not cancel the second order. Now I am out  XXXX  points & receiving  XXXX   XXXX  when I only want & need one. The credit card company is Elan Financial Services
For the past years, I have been using 'MoneyGram online transfer '' to send money to relative abroad. My transactions are random and less than {$1000.00}. I registered my banks accounts with Money gram and the monies are withdrawn from my banks to cover the transactions. Last month, when triying to process a {$94.00} transaction, I got denied that my bank information could not be validated. I called MoneyGram, and was informed that " XXXX '', a third party which safegaurd online transaction needed to validate my information. I called XXXX, provided them with all my accounts information. Was told that it will take a week to update system. Three weeks later, I encountered the same issues. A call to XXXX left me suspect that they have no clues of what is to be approved by their system. They were unable to trace my past moneygram transactions. I have the impression that they wanted to decide when I would send/spend my hard earned money through their service. What is all this about? Who really monitor XXXX??
Bank  of America has encouraged users to sign up for notifications when their account balances get below a certain amount. I have set up these aler ts. On the morning of  X/XX/2017   , I received an alert that my balance was at or below {$4.00}. Since I was on my way in to work, I decided I 'd swing by the bank and deposit cash on the way home. Later that day, I was at my desk working and received another notification that my balance was overdrawn on  X/XX/2017   , which means  1  ) B of A did not send any notification of a low balance prior to  XXXX  and  2  ) sent me a misleading notification on the morning of  XXXX  about the status of my account so they could charge me  XXXX  overdraft fees that would have been avoided if they 'd sent me the notifications when the actual events occurred as opposed to after the fact and out of order. When I called B of A to file a complaint, the customer service reps basically told me I ca n't rely on the technology they encouraged me to rely on and that I just have to check my account balances every day. They also seemed to feel that receiving a notification in the morning that you have a low, but positive, balance on  XXXX  then being followed by a notice eight hours later that you have a negative balance as of  XXXX  makes all the sense in the world. They also have returned to the practice of paying out larger payments that come in later before smaller payments that come in first causing excess overdraft fees, which they were successfully sued for several years ago.
On XXXX XXXX, 2016 Ally Financial sent me XXXX different letters pertaining to my disputes rewarding inquiries that I observed on my XXXX Report. I wrote Ally Financial a letter on XXXX XXXX, 2016 advising that I did n't recall giving Ally financial authorization to do a hard inquire on my credit report. Ally Financial has placed the burden on me to contact the original institution to verify that the inquire were authorized which is a violation of the FCRA ( 1681 ( a ) ( 4 ). Ally Financial is not acting in good faith because my individual dispute with XXXX regarding the inquire XXXX XXXX XXXX by Ally Financial, XXXX deleted the inquire from my credit report because they were unable to provide me any documentation that gave them or Ally Financial to conduct a hard inquire on my credit report.
I currently bank with Wells Fargo, I use their " XXXX XXXX '' rewards credit card at the moment. On XX/XX/2018 my XXXX credit score dropped 29 pts from XXXX to XXXX ... And my XXXX  credit score dropped 28 pts from XXXX to XXXX ... I'm not sure why Wells Fargo would do this to my credit score but I'm very disappointed and confused as to why my credit score would drop so far? I have worked really hard to build it up over the years. I have never missed a payment in the lifetime of my credit and I have always paid my credit debts off FAST even if my balance gets a little high from time to time. I would truly appreciate it if this could somehow be fixed. Thank you
I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.
XXXX XXXX XXXX issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!
EXPERIAN Complaint dated XXXX XXXX, 2016 ; Experian failed to respond to XXXX XXXX XXXX ( XXXX ) reporting FRAUD on my credit reports. Similar complaints sent to XXXX and XXXX. Both Equifax and XXXX have removed XXXX from my credit reports. 
My experience with Experian has been total abuse and refusal to investigate my complaints. And/or to reinvestigate. In that both XXXX and XXXX have taken action on reinvestigations, obviously Experian fails to see the logic of the FRAUDULENT reporting. 
XXXX has been approached and also refuses to correct or remove my report.
I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/2018. 
We have asked for and received help from you in the past and regrettably we desperately need help again. Our mortgage servicer, Mr. Cooper, formally Nationstar, although changed their name, is still up to their old tricks. We were hoping when the name changed they might change the way they do business but they continue to be a wolf in sheeps clothing. 
Our last sale date was on XX/XX/2018 and thanks to your intervention, they postponed it, again. I emailed them yet another RMA package and after following up several times, of course they didnt receive it. I sent a hard copy via Registered Mail. Since they couldnt deny they received that one, they said it would be uploaded in to their system and a loss mitigation specialist would get back to me. I continued to follow-up every 3 or 4 days and after almost 3 weeks they stated it was in their system but now it was too late to get an Underwriter to process the RMA.> Are you kidding me? The same old b.s. and runaround thats been going on for a very long time now. I do everything that is asked from them but their incompetence and seemingly egregious behavior of not wanting to help us by means of a simple loan modification. I know Nationstar received bailout money during the collapse of the mortgage industry and is required by federal law to help people that need help as long as they have enough income to support their house payment, which we can. 
We have send and resent RMA packages time after time only to be horsed around by being told they didnt receive ; new account managers, incomplete applications, etc. ; the XXXX  never ends.

I know you folks cant force their hand but maybe if somehow our RMA could get out of the Loss Mitigation Dept. and into the hands of someone in the Corporate Office and finally facilitate a loan modification that we need so badly so we dont lose the home that we love. 
We would be devastated if we lost this place and would have nowhere to go if that happened. 
Please help us postpone the sale date of XX/XX/2018. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill
I have made monthly payments on my Nelnet loan since I finished  graduate school approximately 12 years ago. My balance is now $ XXXX _higher_ than the original loan amount. I do not see how 12 years of payments has not lowered my debt at all ; in fact, it has been raised. There is no way in which I am able to get their numbers based on their stated interest rate and practices ; and I would like CFPB to assist in resolving not only my situation, but in looking into Nelnets business practices. It would be particularly helpful as a starting point to request that they turn over borrowers payment history and corresponding calculations upon request for transparency and independent oversight mechanisms.
Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX  XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
Wells Fargo has made negative credit entries against me, but will not give me access to the account. The account in question is my son 's student loan, of which I am a cosigner. I have repeatedly asked over the last several years for electronic access to the account. Their answer is that it is not something they offer now, but will in the future. 
When they have contacted me stating the account is delinquent, I contact my son and he says that it is current. Without access to the account, I have no idea who is telling the truth. Given Wells Fargo 's track record of scamming its customers, I tend to believe my son. 
These are the people that I have dealt with recently : XXXX., Research / Remediation Rep, Executive Office, Customer Experience Team XXXX, Research and Remediation Analyst, Executive Office, Customer Experience Team, XXXX at wellsfargo.com XXXX Research and Remediation Representative, Executive Office, Customer Experience Team
I recently opened a checking account at chase with a opening deposit of {$1500.00} XX/XX/XXXX for a promotional credit of {$300.00} after a direct deposit. I fullfilled the requirements and received the {$300.00} credit to my account. My checking ATM card stopped working the two weeks ago and I could not log into my account. 

When I called, I was notified that my checking account was closed on XX/XX/XXXX. No reason was offered for the account closure after speaking XXXX people at the XXXX number and at my local branch. They also notified me that they would only return {$1200.00} in my account and was revoking the promotional credit I had earned. As of XXXX weeks and XXXX days, my funds have not been returned to me and I did not even receive a formal notice of account closure. 
I believe Chase systematically closes acccounts and holds customers funds hostage for excessive amount of time with no reasons offered after a cursory XXXX search on the matter.
XXXX Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the BBB. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
Disputed same errors on XXXX credit reports, XXXX bureau conducted the investigation and corrected the errors, the other bureau did not investigate anything however they did claim to have conducted an investigation, which is false.
1. I noticed that there is XXXX XXXX on my credit report. XXXX XXXX as a hard inquiry for Auto Loan.

2. I do not know who XXXX XXXX is.

3.On XX/XX/2018 I submitted Loan app. to XXXX  Dealership in XXXX, VA.

The name is XXXX XXXX.

But it is XXXX XXXX and they run a Hard inquiry on my credit report.

It shows up on my Annual Credit Report by Experian.

4. Today I contacted EXPERIAN, spoke with a dispute personnel and I asked her to enter a dispute about Hard Inquiry by XXXX XXXX. I want XXXX XXXX to be removed from my credit report. It is hard inquiry and hurts my credit score.

5. Rep in Experian Dispute dept. was not polite and offensive to me, she too k my request of a CONSUMER, - offensively and disrespectfully.

She asked me if I applied for a auto loan on XX/XX/2018.

I asked her, why does she ask me this q?

She said : because when you apply for an AUTO LOAN with a dealer, the dealers usually pass this information to all their sources and financial friends. Buddies.

And every body runs their own hard inquiry.

I was not told about this when I applied for a Auto Loan with a very reputable XXXX XXXX dealer in XXXX. VA.

XXXX stands for its name and it means protection of the clients. So I thought.

I bravely gave my SSN and DL and all other confidential financial information in order to get a loan in amount of $ 40,000- {$45000.00}.

I was not told by XXXX XXXX of XXXX, that they are going to give my SSN to everybody. They gave it to XXXX XXXX and this is not XXXX XXXX of XXXX VA.

Bottom line is : I am afraid that maybe XXXX XXXX   Financial Manager got upset at me, as they got upset at me on XX/XX/2018 when I came to sign and close on my XXXX. I refused to accept XXXX XXXX Loan, {$40.00} 000 or more, with 6.5 % APR.

It was not affordable loan not to me.

In my turn, I obtained a loan from the XXXX XXXX XXXX in Washington DC where I am a member since many many years ago and my auto loan was 1.89 % APR.

Well this is all.

I do not recognise XXXX XXXX. I told about this to XXXX, a representative in EXPERIAN with whom I spoke today.

She refused to take my dispute over the phone and I told to her that I will call to FTC.gov to tell that Experian does not want to take my dispute over the phone. and is abusive over the phone like I am asking for some special favor or money or loan.

It was uncomfortable.

She told me that I can do whatever I want to do and call to FTC if I want to. She said that she does not care what i do.

In desperation I am filing this complaint about XXXX XXXX.

I already contacted XXXX XXXX about this in summer.

I contacted EXPERIAN today by phone.

And also mailed a letter to EXPERIAN in XX/XX/2018 with request to investigate and remove this hard inquiry.

I just noticed that there are too many double inquiries or unknown inquiries.

This inquiry is not XXXX XXXX nor XXXX nor Credit union nor the bank.
I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd
I feel that the lending was predatory. At the time of schooling I was XXXX and making under XXXX per year and was being told that I would have to continue with XXXX XXXX because my credits would not transfer to any other schools. They made me feel like there was no other choice and sold me on the fact that my loans would not have to be repaid until up to 6 months after I graduated. After seeing how much student debt I had stacked up and being told of the extremely low graduate rate of my XXXX XXXX I had to stop racking up debt with XXXX. I stopped attending there to avoid the pressure that their finance team puts on you to take out more loans. I am now having issues repaying the debt I racked up. I checked XXXX XXXX 's website and found that they no longer even offer the multimedia degree I was attending for. I have both Federal and Private loans they had me take out. Looking over the statements that started in 2003 there are so many charges that I have no idea how those amounts were charged as purchases, etc.
Capital one credit card reported that there was no payment on my credit card in XX/XX/XXXX quick Silver ending in XXXX My Capital One 360 representative told me that this was not correct that in fact I paid {$100.00} in XX/XX/XXXX and XXXX the previous month and the money was sent back to my account because an employee made an error in blocking my checking account without my authorization* Eventually the block was lifted and the payment was made without me knowing anything about it the circumstances surrounding this issue* The bank reported me late twice to the 4 credit bureaus on this card even though they knew it was wrong to do so* Capital recanted the fact that I didn't pay them on time but refuses to communicate with the 4 credit bureaus to fix my credit report* This is wrong because Capital one stated to me " You need to fix your own credit '' " You need to dispute this situation and then we will correct it " I believe that since they reported and caused the situation of damage to my credit score they should correct what they did wrong '' Even though I have told them Im XXXX they don't seem to care much about the stress and damage that this has cost me with my XXXX XXXX
XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES.
I have been a victim of identity theft and have made contact with this company in trying to resolved this matter. I have sent it many request for this collection to be removed from my credit and have just be either hung up the phone or direct me to somebody else.
Received VOICEMAIL message today on mobile phone from number, XXXX " " my name. '' This is XXXX XXXX I'm a carrier with the county responsible for serving you legal documents pertaining to your social security number. This is an attempt to locate you at your residence or place of employment to obtain signature. This is a fail attempt it will result in a missed court appearance on your behalf. To stop the practice of being served or prevent a missed court appearance that you please press one to be connected to be directly connected to a representative or connect the filing party at XXXX. 

When I called them they stated they were from the law office of Cardoza and Wexler. When I pressed for more information I was either hung up on or left on hold until I hung up. 

The debt they are sighting is an old payday loan that has already been paid over 3 years ago.
Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX.
This recovery company continues to call ( over XXXX months ) asking for a " XXXX '' ( no one of that name resides here ). It is a debt collection company, and they wo n't take me off their list.
I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX Inq XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.