WillisBack/dataset-financial-user-claim huggingface dataset:
Santander Bank has issued loans to someone else using my identity, I lost my wallet in XXXX several years ago and I have had several issues with ficticious accounts. I called them after receiving my credit report XX/XX/XXXX, and seeing this. Once I called they recorded my number and now they call me everyday on my new number. These account were opened in XXXX. I reside in XXXX. I even told them this. they said they would investigate however i just ran a copy of my report again and now it reporting as charge offs.
Capital One has engaged in false business practices, which constitutes fraud. 
They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. 
Therefore I feel they are guilty of deceptive business practices and corporate greed. 
Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?
On XXXX XXXX, 2016, I used a website ( I believe XXXX XXXX ) to inquire about refinancing my mortgage. Naturally, as a result of this query, I received a number of telephone calls from various lenders, XXXX of which was LoanDepot.com. I never authorized, granted permission, or indicated with any of these lenders that I wanted to move forward, mainly because my local credit union offered the best terms and I already had an existing relationship. However, on XXXX XXXX, 2016, I received a full loan packet ( completed mortgage application, addendums, etc. ) for a 10 year mortgage for $ XXXX, from LoanDepot.com, license ID XXXX, requesting signatures for loan ID XXXX. I subsequently called the loan officer listed on the documents, XXXX XXXX, license ID XXXX, telephone XXXX and left him a voicemail indicating my dissatisfaction especially since I never expressed interest in proceeding.
On XXXX XXXX XXXX and XXXX XXXX received a summons for a debt from XXXX XXXX XXXX XXXX. Represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. for a medical bill owed to XXXX XXXX srv. for XXXX. This medical bill was exclusively for XXXX XXXX and was paid by insurance Blue Cross of Utah regence. This medical bill for XXXX XXXX was not a family expence and XXXX XXXX is in no way liable for a personal medical expense per ut code XXXX. XXXX XXXX never recieved and medical treatment, prescription or any other services from original debter and should not be held responsible for any debt allegedly owed.
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.
I have applied for a credit card through XXXX XXXX. They use Synchrony Bank. I was denied a card based on " unfortunately, based on results of these checks ( social security, address ) we are unable to confirm your identity with enough confidence to approve your application at this time. '' I have an XXXX credit score and have credit cards through J.C. Penny 's XXXX XXXX XXXX and Lowes ALL OF WHICH ARE ISSUED THROUGH SYNCHRONY BANK. 

Their actions have adversely affected my credit rating. 

XXXX XXXX
Please do not block the name XXXX XXXX because ultimately, this complaint about Barclaycards involves both parties. On XX/X/17 A payment posted to our credit card for XXXX XXXX Plus Membership totaling {$49.00}. The credit card previously did not have a balance but with this was a {$25.00} late fee that we did not understand either. We immediately called the cc company because we have been trying to break our ties with the timeshare pyramid. For about 15 min I tolerated the representative telling me that there was no way she could reverse the charges and how I would have to get in touch with XXXX and find out why those charges were made. REALLY??? How I would have to submit some form regarding a charge dispute that could take up to 45 days. No Way I 'm not paying and if i didnt, I get late charges and interest and who pays that? You do ma'am. After the second demand to let me speak to a manager I finally spoke to XXXX. She too insisted that she could not refund the money. So I informed her that I was aware of the scam that was running between them and XXXX. It starts from the sales pitch when the strongly encourage you to get the c with Barclaycards to take adv of the reward points to use towards maint. fees. You guys work together and when XXXX cant get money from people that refuse to pay another fee for something they ca n't use you guys provide them a way to get it. Then, just like that my money was refunded, the {$25.00} late fee was waived and the acct was closed like we asked. I then asked for documentation that the fees were reversed and that all of it would be forwarded to the fraud department. There /was no way she could provide any documentation.
XX/XX/XXXX I was a victim of fraud to my checking account with Bank of America. I immediately contacted the bank to freeze and close my account ; the guy informed me he would open a claim for an investigation. But could not close the account until pending transactions were cleared, I assured him I had n't made any transaction and it was possible more fraud. After receiving the letter from the bank stating that the claim was in my favor I contacted the claims department again. They assured me that the account still pending transactions and not to worry once cleared the account would be closed. I then went to open another account with the personal banker, explaining the situation to her. A few weeks later I returned to the bank and was informed by that personal banker that the old account was still open, I was angry so she and I reached out to the claims department. Only to get an attitude from a lady who told me oh well it 's my fought and there is nothing she can do for me, so the banker tried to get the lady supervisor name she refused to give the information. After 30 minutes of getting nowhere we decided to end the call and the banker said she would forward the situation to her superior and she 'd contact me. Never heard back from her, a few weeks later the fraudulent charges were now transferred into my new account. Discouraged on how the claims department treats their colleague and customers, I felt another attempt to call would be a waste of time and energy. I then cut the card up and ended my relationship with the bank! It 's now XX/XX/XXXX and I was informed by another bank I had negative activity on my XXXX report. I filed a claim, only for them to tell me that BANK OF AMERICA says the information is accurate on my report! So XXXX fraudulent account that was never took care of, turns into XXXX negative accounts on my report. This treatment is unfair to the customers and I 'm sure against the law and I DESERVE JUSTICE!
I purchased XXXX from XXXX and followed the email instructions XXXX sent me after they received my order, as to their method of payment. I 've copied and pasted their instructions below. After I wired the money, via Western Union, I sent them an email with the requested XXXX # that Western Union gave me. On XXXX XXXX, XXXX XXXX picked up the money wire and I have n't heard from them since. No confirmation of the wire pick-up, no nothing. I 've emailed them 5 times, to no avail ... .no further contact from them. Below that email, I 've copied and pasted the confirmation email from Western Union that my money wire had been picked up by the company. 
XXXX Order Confirmation No : XXXX Order Confirmation from XXXX XXXX XXXX Thanks for shopping with us today! 
The following are the details of your order. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Order Number : XXXX Date Ordered : Sunday XXXX XXXX, 2016 Detailed Invoice : XXXX Products XXXX = {$87.00} XXXX Sub-Total : {$87.00} Zone Rates ( Shipping to US ) : {$12.00} Total : {$99.00} XXXX XXXX XXXX United States Billing Address ( removed by XXXX XXXX ) XXXX XXXX XXXX United States Payment Method XXXX Transfer Money Payment Make Payable To : There are different ways you can pay for orders : 1.Western Union 2.Wire Transfer Western Union Payment Paying with Western Union Login : http : //www.westernunion.com send money and select Cash at agent location Our Western Union account First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX After the payment, plese tell us your payment XXXX number ( WU XXXX XXXX ), And email us a copy of the Western Union receipt, and your XXXX # with sender name. Pls send Payment Information to : XXXXXXXXXXXX Wire Transfer Paying with Wire Transfer : We are also happy to accept Wire Transfer payment in USD, XXXX, XXXX, XXXX currency for most orders. For Wire Transfer payments : Bank Name : XXXX Account Number : ( XXXX ) Account Name : XXXX XXXX ( First Name : XXXX / Last Name : XXXX ) Address : XXXX Phone : XXXX Note : After the payment, plese tell us your payment Track number and Order number Will send order in 72hour, USPS ship. 
This email address was given to us by you or by one of our customers. If you feel that you have received this email in error, please send an email to XXXXXXXXXXXX -- -- Copyright ( c ) 2016 XXXX. Powered by XXXX XXXX This email is sent in accordance with the XXXX XXXX Law in effect WESTERN UNION 'S CONFIRMATION EMAIL TO ME : From : XXXXXXXXXXXX Subject : Western Union : Pickup Notification. 
Date : XXXX XXXX, 2016 at XXXX PDT To : XXXXXXXXXXXX Dear XXXX XXXX, Thank you for using the Western Union Money Transfer ( R ) service. 
Your money transfer has been picked up by the receiver. Following is a summary of your transaction. 
TRANSACTION DETAILS : Money Transfer Control Number ( XXXX ) : XXXX Date of Order:XX/XX/2016 Amount Sent : {$99.00} Receiver Name : XXXX XXXX Status : Picked Up
According to documents that were sent to me prior to the approval of the refinance of my mortgage, there were some services related to the title of my property that I could shop for. I called a local title company and found that they had slightly better rates than had been quoted by the mortgage company, so I got their information to share with the mortgage company when the time came. When I was notified that my loan had been approved and I indicated that I wanted to use the title company I had identified, I was told that my loan had already been assigned to another company and that if I wanted to use the company I had identified, it would result in a two-week delay in the closing of the loan, pushing the closing past the lock-in date for the interest rate. I chose not to pursue the closer that I had found and went with the service the mortgage company had chosen. The person who came to my house for the closing on the loan was ill-prepared, so that she had to examine every document to see if my signature was required and where it would go. There were some documents that applied to her, but I had to sit while she read them to determine what needed my signature.
Following Equifax 's discolusure of my personal information as a result of their technical incompetence, I have also been unable to enroll in their advertised offering of free credit monitoring and related services after the expenditure of considerable effort. 

The primary challenge to enrolling has been technical as well. After being placed in a multi-day queue to enroll two times, I received an email with a link to trustedidpremier.com that appears to contain an identifier unique to my request. The email assured me that it was finally " time to take the final steps in enrolling in your free product, TrustedID Premier ... '' The email also specified that " This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX 2017. ''  However, when clicking the link, I receive an error page and am then redirected back to the beginning of their process again, which requires re-providing this company with considerable sensitive personal information all over again, and presumably only would put me back at the end of a queue to sign up for the service a third time. 

The email also contained a telephone number I could call if I had questions or concerns, so I called the number. After a brief automated recording, the number provided a busy signal tone. 

I have at this point entirely lost faith in Equifax 's ability to use technology to deal in my personal information, so I do not wish to attempt to enroll in their service again.
XXXX SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XXXX ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.
I attended XXXX XXXX XXXX XXXX XXXX 2016. Upon signing up, I was told there would be guaranteed internship and job placement after graduating. School was coming to an end and I had no internship. I was told that I was " on my own and had 1 week after school ended to find one ''. After my XXXX was completed and official graduation date has come, my student loans kicked in and my monthly income came no where near what was expected once I attended the school and struggled to pay loans, rent, and basic day to day essentials. I was forced to have my loans go into collections and was told " I should have gotten a better job and thought about my career before I went to school '' by a XXXX XXXX customer service representative. Fast forward 3 years, XXXX XXXX XXXX XXXX closed their doors under the law Obama had passed where if a students loan payments exceeded their monthly income, they had to close. Which was 100 % the case for myself and almost everyone I knew from the school. I still struggle with paying my loans and working with a representative to have my payments lower to no avail. There has been 2 class action suit won over the same issue in 2 other states. XXXX XXXX XXXX XXXX should be the next class action suit won! Since the school had closed, I 'm unable to log into my school email account to retrieve my school files or else I would be able to provide you with more detailed information.
XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX answered. The file has been closed as of this morning. I told them it's not okay to leave me a voicemail yesterday and when I call back tell me it's closed. He said they call me on XX/XX/XXXX, which is Saturday and yesterday, which I am returning. It's completely not okay to close it out in less than 24 hours from leaving me a message and a week from me speaking with me, when they were the ones who did not review my documents since XX/XX/XXXX. I requested a supervisor and was transferred to XXXX. I told him I have called XXXX, XXXX, XXXX, and today. They did not review the items I sent on XX/XX/XXXX and resent on XX/XX/XXXX. I also sent XXXX and pension letters on XXXX. He said I am not being given the correct information when I call, since they are still asking for updated pension and SSDI. I sent these on XXXX. He also wants the XXXX, since the one we sent is dated XXXX. That is not the case, it's dated XXXX. He said the XXXX is wrong, this one is XXXX, not FHA. He said resend correct FHA XXXX, pension, XXXX, XXXX, and entire application. This is insane, since we have re-submitted already and have been updating in a timely manner. 

XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX Answered. They still have not reviewed the documents as they are still requesting the same ones sent on XXXX. I asked him to escalate it and he said he would. I re-sent via email and fax. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. They are just now reviewing the docs I sent on XX/XX/XXXX. They said it was uploaded on Sat., and it can take 48 hours to review. I requested a supervisor since the application should be complete and they have had over 48 hours to review. XXXX XXXX is the supervisor and she said they had 48 hours to upload it and 5 b/d to review. She said if it's not reviewed by tomorrow, I can call back and have it escalated. If she does it now, they will reject it saying they are within their timeline. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. An automated machine said we are closed for the holiday?!? What holiday? XX/XX/XXXX is XXXX 's Day. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. I entered XXXX 's extension and it said thank you for calling, goodbye and hung-up. XXXX XXXX answered and said they are missing the XXXX, which I confirmed I sent on XX/XX/XXXX, she found it and it's not the right one. M & T XXXXorrower 's financial report, which is labeled the XXXX, but also sent in., and the 30 days of paystubs. Transferred to XXXX, the supervisor who said sometimes the faxes fail and emails are too big and to resend them. I requested 2 more paystubs to go with it.
I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX. 
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX. 
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX. 

Clearly, these dates are not matching up.
Portfolio Recovery Associates is still sending me letters and calling my phone. I just got a new letter from PRA on XX/XX/XXXX on the same debt. On XX/XX/XXXX, I received a call from PRA regarding this debt and informed them the debt in question is over 7 years old ( the debt originally occurred in XX/XX/XXXX-XX/XX/XXXX. They continued to try to get me to pay on a debt outside of the Statue of Limits ( SoL ). I had also informed them in writing back in XX/XX/XXXX but lost proof during a move. Once they contacted me again, I sent a new FDCPA Cease & Desist letter on XX/XX/XXXX.  I still have a copy of letter I sent them and they refuse to follow the law. They also refuse to remove this debt from my credit reports and keep reporting the wrong date illegally.
Re : Address : XXXX XXXX XXXX, XXXX, CA XXXX I just a Notice of Default for Citi Bank, NA from XXXX XXXX XXXX of XXXX XXXX who is acting as their Trustee. Their first Trustee, XXXX this mortage was executed on XX/XX/XXXX and subsequently recorded as Document Number XXXX. However, they volitionally executed a full reconveyance of the mortgage on XX/XX/XXXX and recorded that reconveyance on XX/XX/XXXX as Document Number XXXX. 

The execution and recording of a reconveyance deed, Extinguishes the Deed for all time. XXXX XXXX XXXX and XXXX XXXX v. XXXX XXXX ( XXXX ) XXXX Cal. App. XXXX XXXX, XXXX citing XXXX v. XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX. App. XXXX XXXX, XXXX [ Recordation of the deed of reconveyance extinguishes the lien on the property created by the deed of trust. ] At that time the mortgage became extinct, or best completely unsecured by the extinguished deed of trust. XXXX. XXXX. XXXX XXXX. They then have no secured creditor position on their property. 

The reconveyance was of their own free will and, can not be unilaterally rescinded. Furthermore, the status of all purported encumbrances on the property is the subject of current litigation XXXX XXXX Superior Court Case Number LC XXXX in which Citi Bank was named as a defendant and had its default entered. 

The continued assertion of secured rights to our property is slanderous, and further violates Fair Debt Collection Practices Act ( 1692f ( 6 ) ),  which regulates collection of secured debts under the Ninth Circuits recent ruling in XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX).
XXXX XXXX XXXX in the amount of {$140.00} is being reported onto my account and i have no idea who or what this account is for. I have reached out to XXXX  and they have informed me that this account has been closed and should not be reporting onto my credit file. Yet Equifax  still continues to report information that is a direct result of identity theft. XXXX or XXXX the company they represent has never contacted me about this fraudulent debt not given me the chance to dispute the validity of the account. I have ask XXXX  and XXXX to send me all copies of records relating to this account yet that cant provide it to me so how in the heck are you verifying it Equifax? Please delete or block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
I had a rental/income property that NationStar foreclosed on because they refused to work the the Real Estate agent. He filed all the papers and had a buyer. Because NS dragged their feet and continued to ask for the same information over and over again, the buyer backed out. Agent than asked NS for an extension for find another buyer, they refused and foreclosed on the building. 
My problem is that on the XXXX under fair market value they inflated the number. Properties in the area are no where near what they have indicated on the XXXX. I have repeatedly called them to get this corrected, but with no success. I have been given the name of someone who is supposed to be researching this but I have called her twice within the past weeks and she has not responded. Additionally, they told me that the number under fair market value is the number they felt was a good bid for the property. They also added fees to this number. 'They got no bid close to that. They then foreclosed on the building without giving us a chance to find another buyer. I even said I would give them the keys and deed, they declined. 
Can you help me? This inflated number is affecting what I have to pay the IRS and my social security benefits because they are now taking more out of my check.
I checked my credit and found that this company had me in collections. I contacted the company and they told me they sent a letter to collect the debt and XXXX XXXX did also. I didnt receive the letter or I would have taken care of it. I offered to pay in full over the phone as long as they took it off my credit but they refused.