WillisBack/dataset-financial-user-claim huggingface dataset:
There is an account opened on my credit report that I did not open. I have just recently been released from incarceration year XXXX. The Day of my incarceration was XX/XX/XXXX. The account was opened during my arrest : Last Reported XX/XX/XXXXCreditor Name CERTEGYAccount Type Returned CheckAccount Status OpenOpened Date XX/XX/XXXXClosed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance $ XXXXHighest Balance -- Payment Status Collection/Charge-OffWorst Payment Status -- Date of Last Payment -- Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks Charged off account
I have a PayPal account. I funded my account with PayPal My Cash card that I bought from a store. I then used PayPal debit card to make regular purchases. Based on those activities, PayPal freeze my account for no good reason. I 've asked them to refund my balance but they refuse to do so and said they will hold my money for 6 months. Please help and make PayPal refunded my remaining balance. They have no right to keep people money for 6 months.
this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??
I applied to get an apartment for myself and my XXXX years old daughter. I received a phone call that my application was denied due to credit issues and I asked them I should not have any issues on my credit report and they could not give me the details. I had gone to my cousins house and used his computer to see my credit report from XXXX. I did that and I saw a collection account for an unpaid XXXX account from company called DIVERSIFIED CONSULTANT. I immediately called XXXX and spoke to billing department and they told me that my account was in a good standing with them. then I called DIVERSIFIED CONSULTANT and talked to their repersentive about this account that showed up in my report and they told me that based on my social security information they do not have any account that they are reporting to the bureaus. I told them I like to speak to supervisor and told me the same thing. then I asked them to provide me with the a letter that I do not have an account with them and they told me they can not do such a thing. that 's why I am here hopefully with your help I can get my problem resolved.
This is my second complaint. As of XXXX/XXXX/XXXX American Accounts and Advisers responded by saying they would have the original creditors send me itemized statements as I requested and alleging that I had already received these at the time of service. To date, now 30 days later I have received nothing from any of the original creditors nor anything from American Accounts and Advisers verifying any of these accounts they claim I owe.
After several attempts to get a modification to no avail, I was not able to get lender approval for a modification. I had no other chose but to sale my home. I never receive anything from the lender giving me other ways or options to avoid foreclosure. When I decided sale my home to avoid foreclosure, I listed my home for sale with a Real Estate Broker and later received an offer to purchase the property. I contacted the lender to let them know I wanted to sale my house and requested a short sale package. The lender representative XXXX, told me that the real estate person needed to do that and to get the SS package online. I also asked for a pay off statement to see what exactly did I owe and the lender XXXX, said that the real estate agent or escrow handles that and the lender asked me if I had a buyer and I told them that a lot of people have been looking at the house. Once I received an offer from a buyer my agent contacted an escrow company who then contacted the lender and submitted per lender request a complete short sale package ( that was googled and found online ) to the lender along with the listing agreement, purchase agreement, buyer POF, HUD statement, and occupancy certification per the lender request. I also submitted a request for relocation assistance. The file was sent to the lender for SS approval, after several lender request of documents. Which means to me they had time to review and make a decision on the SS package. I received a letter stating that the lender received the package and it was in the process of being reviewed. Waiting patiently, today I was notified that the SS was turned done without reason and the sale was not going to be postponed which is taking away my right to avoid foreclosure by short selling my home and creating a hardship by not having any relocation money.
WENT TO HOSPITAL FROM SERVICE. XXXX. FILL OUT PAPER WORK AFTER RECEIVING COST FOR XXXX BEFORE ANY SERVICE PEFORMED. I DECLINED SERVICE. ( TEXAS DBET STATUE OF LIMITATION 4YSRS ). DEBT FILED XX/XX/2012 BY XXXX HOSPITAL. ( SOLD TO XXXX )
I have never given this company my work phone number as I am not only not permitted to receive personal calls while working, but also I was not employed by them at the time that I was in school. 
I have asked to stop calling my work phone and they repeatedly call the receptionist to be transferred to me.
On or about XX/XX/XXXX I applied and was approved for a Conns credit account for which I purchased a Desktop XXXX computer. I returned the item the next day cause I was missing a part and I was dissatisfied with the unwelcome customer service treatment. I expressed that I did not care to purchase the computer, Conns stated to me that there would be a restocking fee of I believe anywhere from {$45.00} to {$75.00} dollars, I said fine, so therefore with the returned computer sitting on the conns counter and me sitting and waiting almost 2hours and being told that I would be help by a manager, I decided to leave .After a day or 2 I started receiving harassing phone calls and threats to damage my credit. I've never made a payment as stated on my credit report and I returned the merchandise. I never took ownership of said equipment and I promise there is absolutely no proof that I made an payment as is stated on my credit report. thank you
XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.
XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran my credit report.
In XXXX XXXX, there were XXXX isolated fraudulent credit card charges on my XXXX credit card account, an account which I opened in XXXX. At that time, I contacted XXXX about the charges, and XXXX replaced my card. I subsequently contacted TransUnion to request that a security freeze be placed on my account. I did NOT dispute the XXXX account, but TransUnion contacted XXXX and required that my account be closed. Further, my 11 year XXXX credit history was entirely removed from my credit report without my consent. On XXXX XXXX, XXXX, I contacted TransUnion and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that TransUnion was responsible for the error. She stated that I would need to contact XXXX to have the account reinstated, and then TransUnion would update my credit history. XXXX, however, has refused to reinstate my account because they were ordered by TransUnion to close it. I am caught in a XXXX and have tried working with XXXX, TransUnion, and XXXX All XXXX companies tell me that they have no power to reinstate my account ; therefore, my credit history is inaccurate. Because TransUnion made the initial error, I believe it is their responsibility to work with XXXX and the other credit reporting agencies to correct it. I would like my positive credit history with XXXX to be reinstated on my credit report and my XXXX credit card account to be reopened.
I recently refinanced my house with Bank of America. I was told that the old escrow account would not be touched as it is an FHA loan. However, to my surprise, I got a check in the mail for {$29.00} instead of {$3100.00}. I immediately called Bank of America and spoke to someone in the Mortgage Department who informed me that instead of lending me the pay-off amount of {$210000.00}, whoever processed my loan only applied or allocated {$200000.00} to the new loan and automatically carried over the {$3000.00} from my old escrow account without my permission. 

As per RESPA ( Real Estate Settlements Procedures Act ), " when you pay off a mortgage, RESPA requires the lender to refund the remaining escrow balance to you. The lender can not use it to pay down your mortgage balance, nor can it transfer it to a new escrow account. The lender must inform you of your right to apply this money to your mortgage balance or a new escrow account when it sends you the refund check. '' I consulted with someone and confirmed that when a person chooses to refinance a loan, the original escrow account remains with the old loan, and escrow funds can not be transferred to new loans, even if it is with the same lender. I was advised that all property taxes and insurance payments I made in the past must be returned to me within 45 days via wire transfer or check. 

I called several times in the past asking for a status on my escrow account and confirmed the {$3100.00} due from my old escrow account. I even obtained an activity report on XXXX/XXXX/16 in the mail. I was never informed of my rights under RESPA, nor was I asked for permission to use those funds towards the new loan account. In fact, when I spoke to a representative from Bank of America today in the Mortgage Department, the lady apologized and advised me that if I would have done it with another lender, that would have never happened and I would have received my full escrow amount. 

I have been a loyal customer of Bank of America for almost XXXX years and I am very upset with this situation. I feel cheated and misinformed, needless to say disappointed at the service I received by the representative who handled my loan, who continuously kept postponing my closing date and did not contact me when I needed to speak to her. It was always very difficult to get a hold of her.
My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. 
Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.
First Mortgage Corporation advised me of transfer of loan per letter dated XXXX XXXX to XXXX XXXX XXXX. I was instructed to send XXXX/XXXX/2015 payment to XXXX XXXX. Once I contacted XXXX XXXX I was advised payment not due until XXXX/XXXX/2015 so authorization for semi-monthly ACH drafting was set up to begin XXXX/XXXX/2015 per confirmation letter from XXXX XXXX. I also sent XXXX XXXX a half payment in XX/XX/XXXX. First Mortgage advise no payment received per letter dated XXXX/XXXX/2015. On XXXX/XXXX/2015 I contacted First Mortgage & XXXX XXXX to resolve CONTRADICTING information I was advised XXXX XXXX was unable to transfer my funds they received in XX/XX/XXXX to First Mortgage instead they would have to refund to me then I could proceed with payment to First Mortgage once funds received.
I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX
We finally modified our mortgage with Bank of America. After 3 years of trying, it worked. This was a painstaking 3 year process with lack of communication from our servicer. We signed our permanent modification in XX/XX/XXXX. We received our bill for XX/XX/XXXX with no problem. Our XX/XX/XXXX invoice came with an additional charge of {$100.00}. It stated additional attorney fees. I have called my " single point of contact '' now XXXX times with no return call waiting for an answer about this. If I decided after I signed a contract, my amount was wrong, I am sure I would still be held accountable. How can they sign a contract and agree on an amount and then charge me more? Furthermore, they will not return my phone call.
Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I " may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information.
Based on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. 

Equifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. 

The best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).
I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them.
Dated XX/XX/XXXX/ received XX/XX/XXXX, I got letter after waiting months calling ocwen about modification letter state you approved for assistance if you complete the 3 trail paymentXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX/ I began calling asking about modification claim it was getting process ask speak to the modification department say they didn't have one, can I speak to XXXX department I was told had write XX/XX/XXXX new pack I call ocwen right away that I disagree with decision and this is not modification what is this the woman XXXX say it's modification it go in to XXXX I said what I be all most XXXX old 'she continue talk I said my loan is not correct- XXXX I owe on my home {$140.00} and some more principal ocwen claim XXXX claim I owe $ XXXX.So I  Began writing letter have not got no respond from ocwen or XXXX department /ocwen, XXXX have falsified document and claim my husband XXXX XXXX agreed underlying his loan claiming he agreed XXXX call it pass through, Ocwen they both have falsified legal document on XXXX XXXX XX/XX/XXXX claim he came in to agreement for loan to security amend and supplements 1 the mortgage note/ ocwen record another mortgage note illegal did it in XXXX XXXX TX Clerk office
I have a closed Chase Visa credit card. Each month I receive a billing statement which includes late fees even tho my payments are made on time. I then have to telephone a dispute to have said late fees removed. Each month.
Hello, Last Tuesday night ( XX/XX/XXXX) I was researching two credit cards I want to start using, the XXXX XXXX Visa Signature Card by Bank of America and the XXXX XXXX XXXX XXXX  by XXXX. I accidentally hit apply for the XXXX card when I meant to apply for the XXXX card. I tried to cancel it right away but did not see a link to cancel. I then applied for the XXXX  card hoping it would still go through as intended. 
When I got my rejection letter from Bank of America on Thursday ( XX/XX/XXXX ), I saw the first reason for the rejection was too many recent credit card applications. Right away I tried to fix the situation by calling Bank of America to explain what happened and ask them to reconsider my application for the XXXX XXXX Visa Signature Card, but I could not get through the phone tree to speak to a representative. After that, I called XXXX to explain the situation and cancel the XXXX XXXX XXXX XXXX and they took care of it right away. 
My issue is that I have not been able to get in touch with anyone from Bank of America to discuss resubmitting my application now that the XXXX XXXX XXXX XXXX has been cancelled.
When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.
My father who is a XXXX, XXXX XXXX XXXX veteran, was a consigner and primary payee for a XXXX private loan. He fell into bankruptcy and throughout that time they said he did not need to make any payments. However, they did not disclose how interest would continue to build during this financial hardship.They continued to take advantage of a low income veteran during a time they could have froze interest payments, Originally the loan was XXXX but after years turned to XXXX. In addition instead of a cap at 6 % interest rate they continue to raise his interest rate now at 8.25 %. They would not change the variable to a fixed interest rate. How is he suppose to pay this loan off? He ca n't even release his daughter from the loan. Navient has not worked with us and has been nothing but greedy and taking advantage of the poor.