WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I worked with the local Fifth Third Bank branch as my commercial loan that is guaranteed personally was ballooning as it was a 5 year note. When I went to the branch to sign the refinance papers, XXXX XXXX advised they could n't complete the refi because of a tax lien that showed up on title and that I would have to work with the Special Assets Group ( SAG ). I worked with XXXX XXXX in SAG to complete an extension and he advised me he did n't know why this was in SAG and would refer it back to the branch. 9 years and XXXX extensions later, SAG is now foreclosing on my business property. Through each extension, the interest rate increased from 8 % to now 15.5 % and the fee gouging with each extension has gone from {$1000.00} up to {$2500.00} per extension plus a fee to complete the execute of the extension. Due to the significant increase in principal and interest demands beyond my financial means, I have sold my home and moved my family to a small dwelling to try and maintain this loan. The IRS did not accept an offer in compromise with the selling of my home, but has agreed to subdordinate to Fifth Third if they would modify into an amortizing loan. Fifth Third SAG officer, XXXX XXXX advised they do not modify loans and they " no longer want to do business with XXXX XXXX XXXX '' although I have been a paying customer since XX/XX/XXXX with multiple loans and accounts. I am a XXXX year old veteran and the recession hit my new construction painting business hard. I have XXXX children I provide for and have had no choice but to stop paying due to their predatory practices. The property that is collateral for this loan is necessary for my business to continue to be successful and provide for my family. It is a business operation I use to finish products for new construction, maintenance and storage for my company. With the monthly payment required of {$1600.00} on a {$55000.00} loan I can not keep up with the banks demands and care for my family. I am currently working with the IRS representative XXXX XXXX to request a withdrawal of lien in hopes Fifth Third Bank will modify the loan. The threatening emails and constant demands for a deceptive and unfair payment has jeopardized my business and livelihood of my family.
Amegy Bank sued me in the XXXX County Civil Court ( XXXX, TX ), Case No : XXXX, over a {$25000.00}, Bus. Visa, I did not owe for two ( 2 ) years. I reported the ID Theft to the XXXX Police Department, ( i.e. Incident number- XXXX, on XXXX/XXXX/XXXX. When Amegy Bank deposed me in XX/XX/XXXX, their attorney, XXXX XXXX XXXX, XXXX. admitted I did not do it. ( i.e. contracted with Amegy Bank for the Bus. {$25000.00} Visa credit card. ) XXXX XXXX XXXX continued to illegally & unlawfully prosecute me without any factual basis until he and the Court signed the order for dismissal on XXXX/XXXX/XXXX. Based on the record, the handwriting expert said 100 % that it was not my signature. Amegy Bank and the Court dismissed the civil suit on XXXX/XXXX/XXXX, after illegally & unlawfully prosecuting me since XXXX/XXXX/XXXX, when Amegy Bank filed suit. Based on the record, there was never, ever any evidence against XXXX XXXX XXXX. ( i.e. me ). Based on the record Amegy Bank violated all laws of the United States, including but not limited to the Fair Credit Reporting Act, and the Texas Debt Collection ACt. I filed a " RICO '' lawsuit against them on XXXX/XXXX/XXXX, in the USDC- So. Dist of TX ( XXXX ), Case number- XXXX, for their " illegal & unlawful '' prosecution and all their partners in crime too.
I ordered all  XXXX  credit reports to check my credit I needed a loan and they were saying that my scores were too low. After receiving the report I found many accounts under my ssn but I had received a letter from  Office of Personal Management  stating that their computers had been hacked then my husband was killed and a Bankruptcy was filed. I was in no way able to function because of this.   on    XX/XX/XXXX    I sent a letter to Wal-mart asking them to send me Pursuant to the the Fair debt collection Practices Act. " validation " that is competent evidence bearing my signature on the contract. I asked that they get back to me within 30 days and for them to contact the credit reporting agencies that I was disputing this. I was not contacted within the 30 days and it was not reported on my credit report as being disputed. I sent a second letter on   XX/XX/XXXX   and again   XX/XX/XXXX  . They never sent and thing except a letter saying they had transferred the account to a different company. The letter were all certified and with return receipt requested which I received. I   XX/XX/XXXX   I got a new credit report still wal-mart had not reported the card disputed. on   XX/XX/XXXX   I sent a letter to all  XXXX  credit reporting agencies asking for the same information at that time a dispute was put on the account but they did not not send me any information for 60 day under the  FDRC  they only have 30 day when i got the letters back the simply said it was validated. who Validated it and how was it validated? I have asked  4 ti me for the information and they will not send it to me. If they do not have a contract with my signature on it then it is not mine and I want it removed from my credit account.
I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.
I have disputed this information with all XXXX credit bureaus to no avail. I have even supplied information from the acutal creditor stating that the account is closed and to remove it. The Credit Bureaus will not update and correct my reports.
Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. 
Tax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full
On XX/XX/2018 I was charged XXXX in over draft fees. Furthermore here was a fraudulent charge in the amount of XXXX dollars and XXXX cents. I then again was charged another XXXX dollars for over draft fees on XXXX the XXXX, although there should have been enough funds to have covered the balance for an atm withdrawl. I went into a branch and the representative advised me to get a new card in which I did and at the time the representative advised that I call to dispute the fraudulent transactions but each time that I do, they hang up on me, transfer me to the wrong department Or no one end up picking up the phone. I then went in and tried to go into a branch for a second time to resolve the issue at XXXX located close to my house and they denied me entrance because they had told me they were closed yet, the door showed that they closed at XXXX. Poor customer service and illegal fees is all this bank has done for me. I am requesting for all the fees to be reimbursed immediately and for the fraudulent charge that was done on my previous account to be credited as well.
Theres a double hard inquire from Navy Federal with the same exact date. Ive only applied for their credit card one time.
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  and XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. 

My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and XXXX XXXX account that made payments on these alleged accounts was opened and funded fraudulently.
This acct is showing a miss payment as of XX/XX/XXXX this acct has been closed since XX/XX/XXXX and some has ever contacted me about this acct!!

Please remove this from my credit report
Prestige financial garnished my wages and still have me listed as owing them money 2 different amounts
Today, XXXX XXXX, 2015, is my payday. I have a Rush prepaid card and I was told last night after being on hold for 2hrs that it will be posted XXXX. Nothing was on the card so i called today XXXX. I was then told my account is pending and my actual payday XXXX. Then I told them today is the XXXX and it is XXXX in XXXX and I still dont see my deposit or the money that was still in the account. They keep blaming it on technical glitches. I was n't informed about any of this via email, text, or mail. If I was informed I would 've stop my direct deposit immediately. Now I may be stranded if this does n't get resolved soon.
XX/XX/2015 close to 8 months ago I began a mortgage Modification with Select Portfolio Servicing my current mortgage servicer. Early last my XXXX had a major set back when I lost my XXXX. Since beginning the process I have seen first-hand incompetence and miscommunication. As of this date my home has been appraised 3 times with each value thousands of dollars different from the one before, I have had values of $ XXXX, XXXX, and XXXX. Right now I owe {$470000.00} on the house. Since this night mare began I have submitted dozens of paystubs, and bank statements as well as any other documents that have been requested. I have spent hours on the phone talking with one representative after another and very seldom receiving the same information. At first I chalked this up to an over worked staff but as month after month has passed I came to the conclusion that no one business could be run so poorly, this had to be done purposely in order to tack on more fees to the back of the loan. In order to avoid any further issues at least with a pending foreclosure I began to pay 3 months ago on what was described as a streamlined modification which according to one rep was given to me by the Federal Government with out income verification but this would not affect the modification that I have in process. Even this was a point of contention in that I was originally told that if I began to pay I would be accepting this agreement which is saving me less than {$100.00}. and that the modification that I have been working on for the last 8 months we be voided. I am thankful that every conversation that I have had has been recorded I encourage the investigator to listen to these tapes and hear for themselves the misinformation that is given. I have been bombarded by dozens of letters which I receive daily asking for information then acknowledging that it was received and then asking for the same document again. I know that as part of this complaint that you will ask for documentation. I have well over XXXX XXXX pages that I will not burden you with. I am sending over the XXXX appraisals as well as a document request letter and a staement.
I have a Coinbase account and decided to withdraw money amount left. 

My transaction is dated XXXX XXXX XXXX STILL PENDING!!! 
code : XXXX amount XXXX Up to today my money never came to my bank account. 
Costumer service replied to my many mails just once saying I need to wait more because they need to fix a problem. 

I waited more than one month to have MY money back. 
Now it 's too much time Please help
Equifax reported a data breach affecting almost 200 million people, admitting to having had inadequate protections in place. In response, Equifax is offering a year of identity protection services - starting next week, and included verbiage in the agreement that negated the consumer 's right to sue ( clearly a XXXX measure ). 

As one of the " big three '' credit reporting agencies, Equifax should have had better data security in place, and should not be removing consumers ' legal options in the aftermath of such a colossal breach.
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
I have been trying to get a loan modification for two years. Wells Fargo asks repeatedly for documents, often copies of documents I 've already sent them. I did n't know they were n't supposed to be able to ask me to fax them the same documents over and over again until I got a XXXX and she told me that. She personally faxed them a bunch of financial documents for me, and now WF tells me they need me to fax them those documents that my XXXX recently sent. I do n't know what 's wrong with WF and their document management system, but they give every appearance of incompetence.
XXXX XXXX are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by Capital one. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.
OCWEN Loan Servicing is currently holding onto {$17000.00} in my escrow balance. This amount far exceeds the required escrow balance of {$7600.00}. <P/>I have called OCWEN numerous times to try to get the difference - which is {$9900.00} - between the required and actual escrow balance, returned to me. So far, OCWEN has refused to return these funds. <P/>It is impossible to get a straightforward, honest answer out of OCWEN. When I call OCWEN I either get someone at their call center in XXXX, who I can not understand, and when I ask to be transferred to the States, I get a millennial child in OCWEN 's so called " customer service '' department, who gives out wrong, incorrect information. <P/>In addition to seeking the {$9900.00} to be returned to me, OCWEN is also holding onto suspense funds of {$6000.00}. Again, it is impossible to get a straightforward, honest answer out of OCWEN as to what this suspense account is for, or how it got to be {$6000.00}. <P/>The last millennial child I spoke with at OCWEN gave me 4 different categories for how the suspense funds are kept, but could n't explain what the 4 different categories are, what they are for, and/or how they got broken down into these 4 categories, etc. <P/>The bottom line is that this {$6000.00} is my money, and together with the amount of the overpaid escrow balance, these funds, which total approximately {$16000.00}, should be immediately returned to me. Again, OCWEN has refused to do that, and that is why I am filing this complaint. <P/>For full disclosure, I am in the 59th month of a 60 month Chapter XXXX bankruptcy reorganization. The excess funds that I have paid OCWEN belong to me, and no one else, and certainly not to OCWEN. My OCWEN mortgage account is current and up to date.
On  XXXX   XXXX ,  XXXX , my wife and I closed on a property purchased, with a mortgage approved by  Citizens  Bank. Up to that date, there was a line item of " adjustments and other credits '' of {$2500.00} for numerous documents we received from the bank since last  XXXX . On  XXXX   XXXX , I noticed the {$2500.00} credit was removed, and I had to pay @ the closing the additional {$2500.00}. When I spoke to the representative that day who had worked with me since the application was submitted, he told me if I did n't pay the additional {$2500.00}, the loan could not be closed, and a new application would have to be submitted.     On numerous dates following  XXXX   XXXX , I submitted documentation to Citizens and they never provided a satisfactory explanation of why I would not receive the credit adjustment. I was told such things " We thought you provided the seller {$2500.00} as a down payment '', " there was no record of a deposit made of {$2500.00} prior to the closing ''.   The  Citizens  Bank mortgage representative knew there was never a deposit since we provided routinely all deposits made which were earmarked for the closing.     I faxed documents to Citizens Bank in  XXXX   XXXX , and again in  XXXX ,  XXXX  Finally, another Citizens representative, who told me to fax all documents for their review, left me a voice mail on  XXXX   XXXX ,  XXXX  in response to my fax on  XXXX   XXXX ,  XXXX  @ my office saying that she was referring my complaint to the office of the Chairman, and I 'd receive a response with in 3  business days. I never did receive such a response.     I am attaching documentation, sent previously to Citizens Bank which supports the costs and credits represented.
This is  XXXX   XXXX  who borrowed {$30000.00}  from    XXXX   XXXX   on  XXXX , after I borrowed it, I paid {$18000.00}, after that, discover purchased it on  XXXX , then I paid again to discover {$30000.00}.   So, I paid all, but discover said that I have owe {$15000.00}.
I recently received in the U.S. Mail a copy of my credit file from Equifax dated XXXX XXXX, 2015. Under their " Previous Addresses '' listed section it listed that I once or currently live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; Reported XX/XX/2015. '' In reality, I do n't live there, nor have I ever visited the State of XXXX nor do I know of anyone who lives in the State of XXXX. I currently work fulltime for the State of XXXX and have done so for the last 27 consecutive years. When I called Equifax recently to ask them to " remove '' that false Identity Theft State of XXXX address, they refused to do so!
They pulled my credit score twice without my permission for an auto loan. 

Wells Fargo was the bank that did this.
I am a co-signer to a private student loan from Navient. The loan was paid in full in XXXX 2016. It still shows that the account is n't paid on my credit reports. I disputed the reporting via XXXX. Navient verified that the balance is correct on my credit report. I have a letter stating that the loan is paid in full.
CFPB, please know that this is not a duplicate ; this is a complaint about the documents that were just sent to me in a previous complaint. The complaint number is in the next section. Whoever handled my last complaint referred to me by another person 's name and actually gave me THAT person 's promissory note! Under NO circumstance should I be addressed as ANOTHER CONSUMER and be SENT ANOTHER CONSUMER 'S SENSITIVE DOCUMENTS. I have the document they sent me to prove it ( attached to this complaint ) -- titled under the person 's name, addressed in the letter under the other person 's name, and containing THEIR promissory note! I have repeatedly provided MY social security number, MY account info, and MY birth date in order to prove MY identity. Whoever did my complaint chose to give me someone else 's identity. NEXT, I GUESS I'LL BE TOLD THAT IS LEGAL TOO. The person handling the previous complaint stated that they 'are not required to give original documentation with my " wet '' signature ' -- putting quotation marks around " wet '', as if they do not understand what that means. Well, guess what, JPM Chase? WHAT YOU JUST DID IS WHY WE AS CONSUMERS REQUEST ORIGINAL >>> SIGNED <<< DOCUMENTATION, and you are INDEED supposed to give consumers WHAT WE REQUEST, as it is our RIGHT to do so. Under the grounds that JPM Chase can not get their facts straight about who they are addressing, and are CLEARLY blending my personal information and the bureau-reported JPM Chase account with another consumer 's, I DEMAND that the JPM Chase account listed in the next section be DELETED IMMEDIATELY. I will also be informing the bureaus of this extreme inaccuracy and violation!
Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named PINNACLE LLC / RESURGENT with address XXXX XXXX XXXX, XXXX, SC XXXX with telephone number ( XXXX ) XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX. Where I at no time authorize XXXX XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including PINNACLE XXXX Therefore I need PINNACLE LLC / RESURGENT to erase my information from their records and stop trying to collect the amount of XXXX since I never sign any contract with them where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see the obligation to take legal action, since in the past I was a victim of identity theft
XX/XX/XXXX I place a order for XXXX $ of Bitcoins - I submitted my bitcoins to be transferred to another account - When I finalized my submission " after the sent was already initialized '' Coinbase gave me a confirmation on the website saying the fees total for sending my bitcoins was more vaule of what I owned.. 

How the heck can coinbase even do a transaction like this? I can name numerous sites and their partners that will not allow this to happen.. XXXX even 3rd world parties exchanges based in fraud-ville XXXX has better consumer protection. 

Coinbase has NO CONSUMER PROTECTION WHAT SO EVER " Oh yeah.. btw I did get my transaction completed.. like XXXX cents negative. '' Coinbase partner " XXXX '' they will reject your transaction to send if the amount is above of what you own and will allow you to adjust it.. So how the XXXX can a small mom amd pops business made by college kids in their XXXX can developed some type of consumer protection while Coinbase can not even conceived this?! Is this a loop hole they are using to steal bitcoins? This is serious by far! How many Currency exchange " ANY WHERE THE WORLD '' will allow this to happen to a customer? probably none.. 

They need to cease all transaction till they can fix this and protect the consumer first instead of filling their wallets .... I bet you didnt know Coinbase has their own bitcoin miners.. LOL LOL wow.. man.. another XXXX exchange.. .. and this one is in the USA.. XXXX I get better services out my XXXX based exchange.. this is sad by FAR!!!