WillisBack/dataset-financial-user-claim huggingface dataset:
Was a victim of identity theft, someone opened an account, in another state, with XXXX using my name & my ss # on XX/XX/2015. On that very same day happens to be the very same day I last logged in and obtained my credit report from free credit report XXXX. The issue with XXXX has been corrected and they have supplied notice via email attached. 

I was taking the further step of installing credit freezes, starting with TransUnion. On the TransUnion web site they indicate as a victim of ID theft I was entitled to placing a freeze though their site free of charge as a victim residing in Mi. 

I was charged {$10.00} and supplied a reciept. I contacted customer service at TransUnion, they indicated that there was no freeze in place and they had no record of charging my account. I offered to supply the receipt and copy of charge showing on my credit card, they issued a Ref ID # XXXX and a phone number for a supervisor ; XXXX XXXX XXXX. 

I have made repeated attempts ( XXXX ) to contact, leaving messages with all contact information ref # etc. I can not get a response.
ocwen has given me bad credit because they say I have not made payments when I have proff that I did.now I cant even get HARP help because they say you need 6 months of making payments and ocwen says I have n't when I have bank statements proving I have .so now I cant get gove.helpor get someone else to take my mortgage even though I made some times two payments a month.i am XXXX.i cant XXXX.i cry all the time.i lost my son and my husband in the last year.now I am going to lose my house.and no ome will help me.can I sue ocwen for putting me through this and making it so I cant even get HARP.my interest is over 10 percent.thats just plain criminal
I contacted Paypal Extras Mastercard about the personalized merchandise I purchased from XXXX  on XX/XX/2018, that when I got home and noticed the receipt amount was overcharged I was shocked ( my bad was I signed the receipt at the counter without looking the exact the amount because I was on an important call and I trusted XXXX because they're a big name ). It was supposedly {$2000.00} something but the receipt that charged to me was a whooping {$2800.00}. I called the XXXX the next day and spoke with the manager named XXXX and she said it was an honest mistake. I am so mad and want my full refund back but she said they can only give " full store credit ''. And I said no! You guys overcharged me and you expect me to trust you? The item actually is not with me because it supposedly personalized and they will deliver it to my house in one-week which is XX/XX/2018. 

I told Paypal Extras Mastercard the whole story but after two-week Paypal charge-back the amount to me with a whooping {$2800.00}. I kept explaining them that the item is not even delivered to me, I felt like my Credit Card which is Paypal not protecting their customer because I told them- I am DISSATISFIED with the XXXX XXXX, OVERCHARGED me, and the item is not in my hand. I don't wan na pay it because how do you expect someone to pay the OVERCHARGED? DISSATISFIED of their service? 
Please help me because this is really so stressful, I am suffering emotional stress, anxiety and sleep less at night. 

Thank you so much.
Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.
I am very upset with Discover as both myself and my family have been harassed by this company. My bill for this month was due on XXXX XXXX, but I did not get paid until today, XXXX XXXX, so I was going to be late on my payment and have to pay a late fee. This is an understandable situation considering I am in the process of moving so I did not have my usual extra savings to cover the bill. Unlike other banks who respect their customers and would wait a considerable amount of time to start repeatedly calling to collect the money, Discover Card was blowing up my phone non-stop with multiple calls from them daily within the first week of my payment being past due. Although that is upsetting, that is not my ultimate concern. My privacy has been violated by Discover cards and their employees because I received multiple calls from my mother ( who does not live with me, who I do not have listed on my Discover card as an authorized user, and who 's phone number I have never disclosed to Discover card ) telling me Discover was also harassing her, calling my parent 's house multiple times a day impeding my fathers business calls in order to try and receive money for this payment, that at this point was n't even XXXX weeks late. Does that seem a little ridiculous to any one else? Because I am completely appalled at the fact that they somehow found my mothers number, and without my consent, called her to receive money that she does not owe. There should have been absolutely none of my information disclosed to someone who is not on my account. Even if they somehow obtained my parents personal number, there is no reason that when my mother answered the phone, again someone who is not listed as an authorized user on my account, that she should have even been told that my account had been over drafted and had not been paid for that month. Then my XXXX mother who has enough financial issues of her own felt obligated to pay this past due amount ( payment made on XXXX XXXX, 2015 ) to avoid being continuously called and harassed by the Discover company. Overall, I am very displeased and angered by this occurrence and I would definitely not recommend Discover to anyone. My privacy has been violated by this company, and both my parents and myself have been continuously harassed after a bill that was due less than XXXX weeks ago. I am going to be canceling my card once it is paid off and sticking with my primary bank XXXX. I am looking for a resolution to this unfortunate situation
I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via XXXX and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with XXXX. XXXX deducted {$530.00} from our XXXX account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to XXXX. On XX/XX/18, XXXX notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from American Coradius International LLC, dated XX/XX/18, that XXXX sent our balance to collections. We never received notification from XXXX that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with XXXX on XX/XX/18. 
- More detailed outline is provided further below.
On XXXX at roughly XXXX CST, I attempted to visit rocketmortgage.com to find a calculator as to what I could afford based upon my salary. After filling out my information, I received notices that a hard inquiry was run against my credit, even though I answered that I was only researching options. I reached out to the credit agency XXXX about having the hard inquiry removed and they let me know I had to reach out to RocketMortgage to have the inquiry removed. I contacted RocketMortgage and let them know I had no intention of submitting a hard inquiry, that I was only looking for a calculator type tool to estimate the amount of home I can afford. I was transferred a few times before reaching an Account Executive who let me know that because it was not identity theft he could not have the hard inquiry deleted. 

I did not intend on filling out information with the goal of a hard inquiry. This may not have been identity theft, but I do feel I was misled in using their website. This has resulted in both my Wife and I having a hard inquiry on our credit reports that will last for two years because of using rocket mortgage 's website.
In XX/XX/XXXX my VW lease ended and paid as agreed and my account it was closed. For my surprise until now XX/XX/XXXX VW didnt fix it the wrong report information on my account with credit bureaus. The credit report shows that a lot numbers of monthly payments it was paid late some of them shows more than 90 days late. I never paid any payment late. I called VW several times and CS apologized and said they will fix it but never did it. This wrong report still placed in my credit and still affecting my financial life.
after filing this complaint with the cfpb i received a call on XX/XX/XXXX from the presidents office of the union bank, ( the target of the complaint for title 18 issues and senior financial abuse ) threatening reprisals, including an increase in my mortgage payment, a breach of my Agreement with the bank. At present time i do not know if the Bank will accept my mortgage payment of XXXX on Monday, tomorrow. there is a need for consumer protection here .... 

XXXX XXXX
I have a joint checking and a personal checking account with BBVA Compass bank. I withdrew cash from my personal checking account, and bought a Cashier 's check ( check # XXXX ) for {$900.00} from the XXXX XXXX branch of BBVA Compass Bank, on XXXX/XXXX/16. 

On XXXX/XXXX/16, the check was lost, and I immediately called the branch I bought it from. I was originally told that I 'd to call customer service in Order to stop the payment, as the representative made a research and said it has n't been cashed or presented yet. 

I called the customer service number behind my debit card and I was told by the representative that the Balance & Control Dept was closed as at the time I called. I called the next day, and I was told by the Balance & Control Dept that I needed to step into a Branch, in order to be able to stop the check payment. 

XXXX I immediately left the hospital and went to the same branch I purchased the check from. I was told at the Branch that I needed to go look for, and buy a Surety Bond. 

I was n't made aware of this when I purchased the check. This check has been verifiably said at the branch that it has not been cashed. A Surety Bond cost {$1100.00} for a {$900.00} check. 

This is a voluntary malpractice on the part of the bank, wasting time on a lost cashier 's check that has n't been cashed yet, requiring a bond that was n't made aware to me at the time of purchase.
From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.
When I started XXXX School I was told the only way I could attend was to do it through private student loans. Federal loans were not even an option for me. The school office acted like it was so easy and that is the way most people get to go to school. I was never talked to about what I really was doing and about how I was going to pay it back. I believe the schools and student loan companies are in it together and all they care about is making money and nothing about the person that is taking on the loan. I picked a school that at first seemed like they were a great XXXX school but really all they wanted from me was my money. It was like they were trying to sell me a new car instead of help someone become a better member of society. Anyways my grandfather who is also my number one supporter signed away his life on my loans. In the end the school XXXX XXXX XXXX and failed me a semester away from graduating and said that maybe i was meant to be a stay at home mom instead of a nurse. After that my life went down hill and it continues to go down hill. My husband and I had to file for bankruptcy and now I have XXXX XXXX calling me multiple times a day and also calling and scaring the XXXX out of my elderly grandfather. They won't accept my payment of {$250.00} a month, they say thats not enough? They are rude when I speak with them on the phone and they are not wiling to help me out at all. I always thought a little bit of money would be better then none at all. I don't know what to do. I feel like there are no options. How can the world let this happen around us? These companies are just not only bullying students but they are bullying the cosigners as well. They need to be stopped! There needs to be more information given to students before they just sign a student loan. We need to get this under control.
i was admitted into the hospital XXXX XXXX XXXX XXXX XXXX through the emergency room on or about XXXX XXXX, 2014 I receive Medicare/Medicaid and gave the hospital my Medicare/caid card I was in the hospital for 4 days Medicare/caid paid for my emergency room visit and hospital stay and they notified me of that fact, another company contacted me name Patient Account Services ( PAS ) address XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX phone XXXX stating I owe for emergency room services in the amount of {$1100.00} to XXXX XXXX XXXX XXXX. XXXX XXXX date XXXX/XXXX/2014 and that they was reporting this account to the credit reporting agencies XXXX, XXXX and XXXX I did in fact inform these people that Medicare/Medicaid had in fact paid XXXX for my emergency room visit and hospital stay for XX/XX/2014-XX/XX/2014 and mailed them proof. I also informed them that they were committing Medicare fraud and that they were trying double/bill me to steal XXXX from me and i told them to cease and desist their fraud, they informed me that I could go to jail for non-payment of this debt ASAP and they did in fact report this fraudulent debt to the aforementioned credit reporting agencies and destroyed my credit, this is a fraud and this company is engaging in Medicare fraudulent activity against a vulnerable adult who is XXXX
Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
i opened an auto loan with Bank of America and chose to consent to their electronic delivery process. Every thing was processed correctly but I never received the " Closing Documents '' as described in their electronic disclosure statement. 
https : //secure.bankofamerica.com/applynow/vl-electronic-disclosure.go After several calls to their customer service group ( over a 10 day period ), they finally agreed to fax the documents to me. They would not email them to me or send via email. I believe this is in direct conflict with their electronic disclosure agreement. Nowhere in their agreement does it require access to a fax machine which most people do not have access to. My only option was to have it faxed or rescind my consent to the electronic delivery process and have them mail the documents to me. My car registration was already 2 days overdue. I opted for them to fax the documents but that required me to have the documents sent to either a public place such as a XXXX/XXXX center. I think this process puts consumers information in danger.
I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. The first occurred on XXXX/XXXX/17 by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in Tennessee and the second one occurred on XXXX/XXXX/17 by Clarity Company. I know the Clarity Company has been investigated in the past for this. XXXX XXXX XXXX is looking into this matter and because of the known past history of the Clarity Company, I did not contact them.
I was laid off from my job in XX/XX/2018. I made a lump sum mortgage payment so that my next payment was due in XXXX. I had also had automatic bill pay thru my bank for my mortgage. Aside from the lump sum, the mortgage company received an extra {$500.00} in XX/XX/XXXX. Just came I still could not find a XXXX and received a notice that my payment was going up because of negative escrow. I contacted 1st alliance to see if they could that {$500.00} payment and apply it to the negative escrow. I also applied for an unployment forbearance which I was denied for because I was not 60 days late on my mortgage. 60 days is when they are able to start foreclosure proceedings. I have paind not only my mortgage on time every month, but extra as well. Since XX/XX/XXXX ( if not before ). I have been told that the supervisor is looking into where my extra {$500.00} payment went. I have called multiples times per week for the past several months and no one knows how much my payment should be. I have also been told NOT to make a payment because they were unsure of the amount. I was requested to send bank statements to show the payments, and consistently am getting emails saying the payment I set up was returned ... ..I never set up any payment because I was advised not to. They have messed up my credit, chose not to work with me and now I have no idea when or how much to pay. This has become more than a hassle. They are basically refusing to work with me and now I am in fear of losing my home.
Because I have been a victim of identity theft I placed a alert of my credit it now as of XXXX/XXXX/XXXX has a freeze on it. On XXXX/XXXX/XXXX I received notification via XXXX XXXX  XXXX of an alert. The alert showed a hard inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
They are located in XXXX, NC. I contacted someone on XXXX/XXXX/XXXX at XXXX. They have a collections debt so I asked why would my credit be pulled without permissible purposes. I have not received any letter about any debt and considering I havent applied for credit or owe any new debt my credit shouldnt be pulled. The individual asked me for my name and I refused to give her my address and social because she didnt answer why they pulled my credit. Obviously the debt was fraudulent or invalid. I explained I never gave anyone permission to pull my credit. They cant offer any explanation. I have been working closed with the credit bureaus to keep my credit safe and information only to be violated.
Made a payment on XX/XX/XXXX and committed to making another payment on XX/XX/XXXX in efforts to pay the passed due balance as currently the vehicle is sitting over 60 days passed due. I have made the lender aware of the situation but they continue to call me several times a day ranging between 2 and 5 times. I have juat started a job and am currently undergoing XXXX XXXX screenings. I have assured the lender i am going to pay them. Im also dealing with a custody battle and a divorce. I am overwhelmed with life and everytime my phone goes off it gives me an anxiety attack. Them calling me so much is affecting my health and i am having to constantly having to look out my window just to make sure my car is still there so i can make the money to pay them.
Mr.Cooper is completely negligent and in violation of RESPA guidelines regarding a loan modification request. At issue is the fact that Mr. Cooper ; 1. Keeps misplacing documents which is negligent and criminally negligent considering people are facing foreclosure 2. Continue to request information they already have already confirmed receipt of 3. Are completely disorganized and do not allow people to talk to the actual people handling the modification which creates obstacles to homeowners seeking to avoid foreclosure.

At this time Nationstar is in violation of RESPA guidelines for not acknowledging a complete package for modification which they have had in house since XX/XX/18. They are requesting a profit and loss statement which was never required as the homeowner is not self employed. It was merely offered as an option if homeowner did not receive pay stubs that showed year to date income and those pay stubs were provided on XX/XX/18. That means they have a complete package.
I was notified that a class action was filed against XXXX and I was member of that action ( XXXX and XXXX vs XXXX ). As part of that settlement I was offered a three yr credit monitoring service with daily access to reports and a score. 

The letter provides a activation code to be used on the XXXX  site owned by XXXX. There is no place anywhere on that site for current members to provide a activation code. I also tried deleting my account and signing up a new account but again there is no place to provide such a code. 

Going to the website XXXX XXXX XXXX provides a field to enter a activate code but results in a error message.