WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I was in Bank of America in XXXX XXXX, VA around XXXX XXXX. Their ATM machine took my ATM card for the third time as I was told that it has been happening to many customers. I was first in line and two ladies were behind me. one was a XXXX XXXX mid age American and the other was a very pretty well dressed young woman. This bank 's employee of course a man, who is in charge of customer service also giving new ATM cards, called the XXXX  lady first and took care of her then he called the young lady behind me and I had to speak up to remind him that I was here first. He told me to go and and wait in the last office and he will be there. He came after several minutes because he took care of the pretty lady and without saying hi or bye, he gave me an ATM card with a angry attitude.. I was not dressed up well and my appearance was simple. That bank employee treated me really bad and was very rude ... I was mistreated badly before by this bank because of my appearance. I know for sure that I got discriminated against badly by people of this bank.
American Express sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called American Express to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that American Express wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked American Express to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to American Express about this and they would fix it XXXX month and then the next month it would be back on the statement. The American Express bills would reflect exactly what I am describing. So when I went to court American Express refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of American Express for proof that I owe this money and they could n't produce any statements. When my attorney asked American Express in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid American Express by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX
This is a personal Loan through Wells Fargo. Made a payment XXXX on XXXX/XXXX/XXXX and it appears to have been applied by looking at the statement from XXXX/XXXX/XXXX, but that same statement says that I owe XXXX. The original payment is XXXX, but I always pay a little more. This same statement has another payment of XXXX which I did not make. I started the calling process as stated below : XXXX Spoke with  XXXX and was told that part of the office was closed. 
XXXX I call back and spoke with XXXX who said the money was refunded to my bank. That is not true because I have reviewed all of my statements and called my bank to make sure that that I did not miss seeing the refund. She stated she was going to initiate a form for research. Once completed she would call back and would leave a message if she could not reach me. I have not heard back to date. 
XXXX Spoke with XXXX who said she would look into my account and get back with me- I heard nothing to date. 
XXXX Spoke with XXXX who told me that the payment was not received so it shows XXXX outstanding. She did some checking and mentioned that it was refunded back to my checking account with Wells Fargo. 
That account was closed and has been closed for some time because I never used it. When I get online I can not see the account either. 

Every time when speaking to a representative I state that I made a payment and continue making my payments, but they are not being applied correctly. When I spoke with XXXX, I told her I sent a payment from my bank on XXXX/XXXX/XXXX, but she did not see that it had been made. Wells Fargo continues to charge me late fees despite me making the correct payment on XXXX/XXXX/XXXX. 

I want your help in correcting this problem.
XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act.
I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.
One day Paypal put a limitation on my account. They told my friend, who I sent money to, that I had been " hacking into accounts. '' ABSOLUTELY not true. They pulled the money back from my friend 's account and put a hold on my account. I provided every bit of information they asked me for and they kept asking for more stuff. I would submit something, it would be approved, and they would add XXXX more things. Finally, they said my account is " related '' to the accounts under the following e-mails " XXXX '' and that {$500.00} is owed. So they have locked up {$1800.00}. They even went into my bank account and made an unauthorized withdrawal of {$29.00}. I do not owe Paypal ANY MONEY and it 's illegal for them to be holding my funds.
I have a " Home Equity '' line of credit with Bank of America ( BofA ). THE ACCOUNT # IS : XXXX. 
I am XXXX years old and I 'm retiring. In order to reduce my monthly payments on this account, I went in person to BofA in downtown XXXX XXXX, CA and asked if I paid down my loan amount from about {$220000.00} to about {$120000.00} ( a payment of {$100000.00} ) would that reduce my monthly payment? I was told " yes '' and my new monthly payment would be about {$1000.00} a month instead of my usual monthly payment of about {$2300.00} per month. This is a big monthly reduction of my monthly payments since I 'm retiring. This transaction took place in XXXX, 2015. Now BofA will not reduce my monthly payment after I paid down this account by {$100000.00} in XXXX, 2015.
Hello my name is  XXXX   XXXX . This  is my story related to the loan for the house.Fuor years ago i did loan modification with  XXXX   XXXX   XXXX . Six months later loan been transfer to a Select Portfolio Cervicing Inc.From last year i have a another company  XXXX   XXXX   XXXX   XXXX .That company trying to selling my house on act ion two times.First time in last year, and second time couple of months ago.I 'm going to present a paper wor k wich is showing the new owners of the house after the action selling. This is a big crime for me and my family, because from this time we live in under a  XXXX . No one is informe officially with leather the house is going to be selling on auction. I 'm current with my mortgage payment and I do n't see the reason my house to be sell on action. I am so confused and I need to help how to get out from this situation. Thank you so much and I provide you my phone number to contact with me  XXXX   XXXX   XXXX .
Offer for short sale of property was submitted. Previous ATP had expired and we were working toward another ATP. No offer during the 1st ATP was close enough to bank value of home. 
Wells Fargo refused to review the offer until the " financial review '' was completed. Then Welles Fargo delayed ( intentionally ) by continually waiting long stretches of not returning messages, constantly changing " processors '', as many as 8 processors, underwriters have been on this file, each with a period of no communication. 
The worst was " XXXX '', who throughout this process failed to either return a phone call or email, in a timely manner, but mostly not at all. 
We sent an OTP and related paperwork to WF to continue with a short sale process on XX/XX/XXXX. We continued to work on this short sale, up until it was rejected in XX/XX/XXXX, for missing a document. Someone from WF Home Preservation Department called XXXX, on XX/XX/XXXX.and XXXX responded and faxed the documents. Since XXXX did not receive these documents, and I was unaware that the WF Team was calling the borrower, the file was rejected. I recent the same documents, by fax, on XX/XX/XXXX. After I found out what had happened, XXXX helped, and put in the request to be reactivated, on XX/XX/XXXX. 
Wells Fargo proceeded to change processors, and micro-examine all accounts, effectively delaying the review within days of the foreclosure sale. They even took two weeks, examining and rejecting a settlement statement from the HOA, finally at last stating that the standard settlement email, with letterhead, management company, and all parties copied, must now be a " formal '' letter on letterhead, and signed, ( note that offer has not been looked at ). 
Nothing had materially changed in the Borrower 's financial condition, and Wells Fargo knew it. 
We tried for weeks by emails and calls, to expedite the review, stating each time the impending foreclosure. WE WERE IGNORED, and when we were communicated, it was " on script '' nonsense. In XXXX, we took the fight to anyone who might listen. 
Suddenly, on XX/XX/XXXX ( sale date XX/XX/XXXX ), the offer was " reviewed '', and quickly rejected. We were told on Monday the news, and told to " get a higher offer '' WE were told " an ATP could NOT be issued, due to the " LOW OFFER '' and " TOO CLOSE TO FC SALE DATE. 
We were also told there is nothing anyone can do. 
Either Wells Fargo intentionally delayed this review, either to force it to foreclosure, or ( and also likely, considering their inability to assign and complete an easy review ) their lack of direction in this department.
IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.
To Whom It May Concern : I have contacted Experian consumer dispute department and fraud department several times by phone, via email and through certified mail notifying them I am a victim of Identity Theft and that there are items on my report that were fraudulently opened and not belonging to me. I have sent the Experian Identity Theft Affidavits, Police Reports and Military records establishing my position in XXXX, XXXX at the time of these fraudulent accounts being opened as well. After submitting substantial information to prove these accounts are fraudulent, Experian continues to refuse to investigate and remove these account from my credit report. 

Each time, Experian has sent me a computed generated response that states : " IF THIS ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY. '' However, I have contacted the creditor grantor directly and the creditor grantor is stating that they never told Experian they request I contact them directly and this is a computer generated message by Experian. 

The below accounts were fraudulently opened. They are INACURATE on my  credit report and I have disputed these accounts with the credit grantor prior to contacting Experian and your office. I want these FRAUDULENT accounts removed from my credit report. 

XXXX XXXX Partial Account Number XXXX {$2100.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX {$660.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX OPENED XX/XX/XXXX ADDRESSES : Address Identification # : XXXX XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Address Identification # : XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Thank you.
I purchased a 2009 XXXX XXXX about two years ago. I financed the vehicle with US Auto Credit Corp. I recently began to have mechanical issues with the vehicle. The repair costs made it difficult for me to afford my bi-weekly payments. I reached out to US Auto Credit to inform them of the situation and to find out if there were any options available to help me reduce the financial strain to avoid late payments or defaulting on the loan. The only option presented to me was a forbearance. The forbearance wasnt a good option because it would have extended my loan term. The maintenance is going to be required more frequently in the future. The forbearance only provides temporary relief. At this point Ive made over 50 bi-weekly which totals close to {$10000.00}. The interest rate is 26 %. It would be close to impossible for me to pay the car off before it died. Since US Auto Credit didnt have any other options I had to look into refinance options. Luckily my bank approved the refinance but they would only approve {$6600.00} which is the value of the vehicle. I was told the payoff amount was around {$7700.00}. I would have to pay the difference. I didnt have {$1100.00} but I really needed to do this refinance. It lowered my interest rate, payment, and term by almost 50 %. I went back to US Auto to ask if they would write off a portion or reduce my balance. They sent me a settlement offer for {$7100.00}. The loan wouldnt be reported as paid in full but as paid in full- charge off less than balance. They also said that the would issue a XXXX for the any reduction amount greater than {$600.00}. I finally spoke with a supervisor XXXX XXXX who said there wasnt much more they could do. He advised me to continue paying on the car for another year ( {$4400.00} ) and try to refinance at the end of the year. At the end of our conversation he told me that he would have upper management look at it but he was almost positive that they didnt have any other options available. He said hes never seen them offer any other options for situations like mine in the 4 years of his employment. The companys mission statement says the want to help and treat consumers with fairness and dignity. My experience has been the complete opposite. I feel like this company is taking advantage of people with less than perfect credit. I dont feel like the lending practices are designed for you to successfully pay off a loan. And when you get into a situation like mine which I feel was created by their predatory lending practices ... they dont offer viable options to help. They relentlessly demand money and refuse to offer fair resolutions ... leaving you stuck or putting a person into a worse credit situation. I was young with poor credit and I needed a car. This company took complete advantage of that. The dealer made it seem like this company would be doing me a big favor by approving my loan because my credit score was low but I was actually being lied to and taken advantage of. I can only imagine how many people have gone through this and didnt know what to do.
XXXX, XXXX. company representative XXXX XXXX visited my home on XX/XX/2017 at XXXX for an in-home solar system consultation. Once I seem insterested in the solar system, XXXX XXXX requested my information to run a credit check. He then had me sign a contract but insisted there was a 3 day concellation period prior to moving forward. That evening I contacted XXXX XXXX and told him I was n't comfortable with the contract and would like to cancel it until I could get further details on the pricing. XXXX XXXX said he would call and cancel the contract, but would like come to my home on Sun XX/XX/2017 to answer any questions I had, and to possibly do another contract. I asked XXXX XXXX for detailed invoice of the items that were included in the contract, which he said he could not provide. XXXX XXXX stated it was company policy not to provide detailed invoicing. 

On Friday evening I felt like I was getting the run around, and went back through the paperwork XXXX XXXX me sign. At that time I noticed the paperwork included a Cancellation Certificate that had to be completed within 3 business days. I printed and filled out the Cancellation Certificate and took it to XXXX on the morning of XX/XX/2017 at XXXX. The Cancellation Certificate was submitted by facsimile at XXXX and notorized by the clerk at the store. On XX/XX/2017 XXXX XXXX and I could n't reach an agreement on the pricing and billing practices of XXXX, XXXX. when he came by home. XXXX XXXX once again assured me that my contract with XXXX, XXXX. had been cancelled. 

The Cancellation Certificate that was sent by facsimile stated : " To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a facsimile to XXXX by XX/XX/XXXX. '' I received a letter dated XX/XX/2017 from GreenSky, XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/2017 that stated : " Thank you for Financing your XXXX Project with GreenSky. 

When you agree to the terms of the Loan Agreement and are ready to make your purchases, give your account number, expiration date, and photo ID to your contractor. Use of the Shopping Pass or the associated Installment Loan to make a purchase constitutes acceptance of the terms of the loan. 

After your first purchase you will receive monthly statements. 

You have zero liability for transactions that you did not authorize. Please monitor your statements and contact us at XXXX to notify us of any unathorized transactions. '' Next I received a statement from GreenSky on XX/XX/2017 for the period ending XX/XX/XXXX which showed a new balance of {$22000.00}. The statement listed a purchase on XX/XX/2017 with a description of " GreenSky Direct Transaction - XXXX, XXXX ''. The statement also listed a interest charge of XXXX. 

I never authorized GreenSky send a direct payment for {$22000.00} to XXXX, XXXX. I never signed a contract with XXXX, XXXX. I cancelled the contract with XXXX with in the 3 day period. I contacted GreenSky and was told someone would contact me within 3 business days. I do n't understand why they GreenSky would send any funds to anyone without authorization.
XXXX XXXX XXXX XXXXXXXX ... 
Accounts with missed payments View all accounts XXXX XXXX XXXX XXXX XXXX XXXX 1 Missed Currently 30 days past due Overview You're currently using 129 % of your account 's limit. 
Balance {$380.00} Credit limit {$300.00} Minimum monthly payment {$46.00} Opened XX/XX/2018 ( 4 mos )
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX  claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. TransUnion won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
Now I see that XXXX/XXXX has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/XXXX.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
I closed a checking account on suntrust bank. due to an auto pay the bank open my account once again and the auto pay was trying to withdraw. so since I didn't have any money. the bank was charging me {$35.00}. each time that they were trying to withdraw. so I went to the bank to see was happening they told me that they open the account again for the same reason. so they charged me a total of {$550.00}. I didn't wan na pay them and they sent me to collection.
The 3 major credit bureaus are only interested in recording negative data. I informed them of court documented Breach of Contract on XXXX XXXX 2017 for a  toxic property sold to me at XXXX XXXX XXXX XXXX  Arizona with arsenic, and that caused default. I received no response from them except one recent reply from XXXX. The credit bureaus have been tracking me since the age of XXXX. They forget about 40 years that I have played by the rules with consistency in timely payments. At the age of XXXX, and for the 1st time in life, I have no place to call home. I am back to square A again because of the lawlessness of others, and their desire for me to pay for their crimes. That is because the 3 major credit bureaus are seemingly only interested in recording negative data which presents a persons character as they would like for it to be and not as is. They have " scored '' me in a way that does not even allow me to rent a tent. Not because I do have money in the bank and in my pocket. But their record keeping has only continuously caused me a severe waist of time and money. I placed a freeze on the records to protect them from unauthorized abuse, however the abuse and misuse is coming from inside these organizations. I pay the fees to lift the freeze for a set time, and the Professional Corporate time wasting begins all over again. Even a so called " fair '' credit score is USELESS. So what is their point of existence?
XXXX ( Social Security Number ) Complaint Against Regions Bank I, XXXX open up an account with this bank on or about XX/XX/2017 and was promised a promotion of {$400.00} by bank rep XXXX and now the bank seems as if it does not want to give me the promotion I did everything the bank told me to do.