WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX,2017 I mobile deposited a check from my former employer XXXX XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I was debited this same amount from my account with Citizens telling me that the check was cashed again. I went to the nearest branch to sort it out. They told me that it was cashed through a XXXX account. I was unaware of this transaction and realized that this check was stolen either from my car or my bag. I went to XXXX to let them know that my account was used in a fraudulent manner by one of their clients XXXX XXXX XXXX with the telephone number of XXXX XXXX XXXX as he used on the back of the check that was stolen when he deposited it to his account. This was done with XXXX XXXX Branch Manager of the XXXX XXXX branch of XXXX XXXX XXXX XXXX XXXX MA XXXX his number is XXXX XXXX XXXX. 
At first it seemed as if this would be taken care of but than I was contacted by XXXX XXXX from the office of the chairman at Citizens Bank. She informed me that I violated the terms of Mobile deposit by not voiding check and disposing of it properly. Obviously I had n't the opportunity to dispose of it properly as it was stolen from my property. I submitted another claim on XX/XX/XXXX and the money was returned to my account for a day and than debited out again as XXXX XXXX from the office of the Chairman launched a new investigation. We spoke on the phone on many different occasions culminating in a phone call on XX/XX/XXXX saying that I was liable as the agreement stated the proper disposal technique after mobile deposit. 
I followed up with XXXX at the branch where the check was deposited with CSR XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel. XXXX XXXX XXXX he stated that the account funds from the deposited were withheld and that XXXX fraud department XXXX XXXX XXXX XXXX has been waiting for Citizens to contact them to straighten everything out and refund my money to my account. During all this Citizens has made me seek affidavits from my former employer XXXX XXXX XXXX XXXX XXXX which he has been waiting for Citizens to send .Fill out a police report which I have done, Yet they still maintain my culpability in a case where I was the victim of theft. I find this truly unacceptable and hope you can expedite a solution that returns my funds back to my account.
I've had this account since 2012. I've never missed a payment and often made more that the minimum payment. Over the course of having an open account I've paid the balance off several time.I hold a Platinum XXXX XXXX with no limit so my credit score is above average. Despite the aforementioned facts, I noticed that the balance on my account was not dwindling as I expected. The account has a purchases balance and a cash advance balance. Apparently, the company decided to allocate the payments to the lower balance and any amount over that to the higher balance. The problem I have with the account is as I began to increase the amount of my monthly payments which should have caused the account to be paid off at a higher rate, they chose to raise the interest rate on the account which had the affect of making it more difficult to pay the account off. When I inquired into the reason of interest rate increases I was told they were based on the prime rate in the XXXX XXXX XXXX. The problem with this explanation is that the prime interest to which they referred, increases and rises based on various economic factors. Given the fact the the countries economy was in a recession and the interest rates were at a historical low for the better part of the last twelve ( 12 ) years, I never received a rate reduction. Instead the interest rate associated with the purchase balance increased approximately five ( 5 ) percent from 17.9 to 21.9 while the interest rate on the cash advance increased approximately five ( 5 ) percent from 21.9 to 26.9 as well. These are the types of interest rates that one would expect to receive when hey are attempting to build up their credit not for someone that has a impeccable credit core and and a exception payment history with this institution. I would expect my interest rates on this account to decline not increase. Thus, the increased the interest on my account somewhere in the neighborhood of ten ( 10 ) percent during a time when interest rates were a historical low. All this occurred without the company notifying me of the steep hike in my interest rates. For those that are acquainted with who interest rates works, a increase of one ( 1 ) or two ( 2 ) percentage points has a profane impact on the amount interest charged on the account and my account increased around ten ( 10 ). This is nothing short of predatory lending!
On XX/XX/XXXX I received a notice on my door advising I was going to be forced out of my home in 5 days ( letter was dated XX/XX/XXXX ) due to delinquent taxes not being paid. I called my Mortgage company on XX/XX/XXXX when they first opened to find out why they had not been paying my taxes out of my escrow. They coukd not explain why and said they needed the tax department to advise me and that someone would call me back. I never heard from anyone that say, so the bext say I went to the county tax department and discovered I was {$4500.00} delinquent on property tax and that the mortgage company hadnt paid my taxes in 3 years and that I had 3 days to pay in cash or I woukd be removed from my home! I called back to the mortgage company that day and asked to soeak to the tax department and they would not let me and again told me someone would call back. I waited that day and no one called! I called back to the mortgage company on XX/XX/XXXX and told them I coukd not wait any longer for them to do something because I was getting kicked out of my home in less that 48 hours. The Customer service rep advised me I coukd just pay the taxes if I coukdnt wait and they would reimburse me. So I took all of my savings and bill money and paid the county in cash to stop my hone from being confiscated. Since that date Ive made weekly calls to the mortgage company to seek the reimbursement they promised me and Ive been unsuccessful with speaking with anyone in the tax department or getting a supervisor to call me back. Finally after numerous attempts I was able to speak directly with a supervisor XXXX on XX/XX/XXXX. She advised me she was going to contact the tax department about the XXXX reimbursement and get back with me. On XX/XX/XXXX she advised me the tax department was not going to reimburse me for the delinquent taxes I paid because it shoukd have come out of my escrow and that they woukd only consider reimbursing me for the amount I paid in penalties and interest in the amount of {$1400.00}. On XX/XX/XXXX XXXX advised me I would only be getting {$900.00} instead of {$1400.00} because they could not verify a breakdown of what I paid even though I sent then ( on numerous occasions ) copies of the certificate of sale and certificate of redemption for what I paid, and it was all signed by the county clerk. So now Im reaching out to you all for some help! The Mortgage company ( Pacific Union Financial ) to daye has still been unable to twll me why they were not paying my taxes or how this all will be resolved.
tried multiple times, credit repair companies. Will not fix. Wells fargo does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. Wells Fargo has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
On XX/XX/2018, I applied and received a short term loan from BigPictureLoans.com in the amount of {$1000.00}. 
On XX/XX/2018, I called XXXX to pay the loan off. Because it was within their so-called grace period, I was quoted {$1000.00} as the payoff. I was told the conversation was being recorded. They were to debit my bank checking account as of XX/XX/2018. 
I checked my account several times and the monies had not been debited. 
On XX/XX/2018, I called to inquire why it hadnt paid off yet. I was told that my recording of payoff on XX/XX/2018 was recorded with an incorrect date. They informed me that they tried to contact me of the error. My phone records and voice mails show no such effort to contact me. 
I said no matter, I called on XX/XX/XXXX and the payment should be honored. XXXX XXXX loans said no and my new payoff was with interest. I asked to speak to the customer reps. Supervisor. A lady named XXXX claimed she was a supervisor, though, I doubted she was. I insisted she send my complaint to her supervisors and she informed me that someone would call me for sure, the next day. No one called. 
My husband didnt trust them and told me to go online to make the payoff even though I would have to pay interest AND we would have a paper trail. 
On XXXX at XXXX I requested a payoff on their website. THE ONLY OPTION I WAS GIVEN WAS A PAYOFF DATE OF XX/XX/XXXX!!! So I requested payoff on XXXX, yet, no option online unless I paid more interest until they deemed ok to payoff on XX/XX/2018, a full several days later. Myhusband told me to pay because they will keep screwing us, so I did. 
These people prey on people. I am a XXXX XXXX who is struggling to keep clean. They count on that. Their practices are deceitful and leave very little recourse in dealing with them. Please help.
I had an invoked power of attorney over my father who was deemed XXXX  early in XX/XX/2018. I made dozens of calls to NFCU overseeing his accounts to prevent any more fraud and theft from occurring. I had a valid POA in place and the very person who had abused him financially was then allowed to take over his financial through a fraudulent document and phone calls by manipulating the system/him and calling in saying he wanted my valid POA to be revoked and to place her in control. They went with the criminal activity all along, which in essence is aiding and abetting crime. He was XXXX by two medical doctors, in a locked XXXX unit, and had no ability to make XXXX XXXX. NAVY FEDERAL should have protected his accounts by not allowing the theft to occur as I gave them all evidence prior, during and after the fact. I have continued to fight to get this money back that was stolen from my father and that NEVER should have been, had Navy Federal done their job. There is no way his financial documents should have been taken over and diverted, period. There is no question as to the FRAUD that took place. He was XXXX! My power of attorney was invoked to protect him. They not only did not protect him but have given me the runaround for the past 7 months trying to dispute this. Credit Union NAVY  FEDERAL CREDIT UNION Desired Resolution They need to take responsibility for allowing a XXXX XXXX   adult who was in a locked XXXX to be the victim of upwards of {$20000.00} in theft by a known perpetrator. They need to refund his account as they ALLOWED the theft to occur. They did not do their background check and erroneously took part in this crime and argue that he should be held responsible. 
While this is not technically Identity theft per se, it is similar, as the person who stole form the account holder impersonated herself as some one who should be given the POWER of Attorney under false pretenses. She knowingly and willingly knew she was not to touch any of his financial accounts. She had just been deemed to have exploited him in a state investigation for elder abuse. This was all conveyed to the NAVY FEDERAL credit union, along with phone numbers and documented paperwork. She in no way had any notarized power of attorney, had not revoked mine and no authority to take over his funds and steal from him. The fact that NFCU is in my opinion a crime, as I worked tirelessly to protect him and what they did is not only help the perpetrator but force me to get an emergency court injunction, adding thousands of dollars in legal fees.
Between XX/XX/XXXX and XX/XX/XXXX 2017, Equifax allowed malicious actors to obtain my personal information, including my social security number, date of birth, and previous addresses. I utilized their website ( www.equifaxsecurity2017.com ) and was informed that my information was likely caught up in the attack. Their failure to adequately secure this information has put me and millions of others at risk of identity theft for the rest of our lives. I have now paid {$50.00} to freeze my credit with all three bureaus as well as XXXX and XXXX.
My current student loans were taken over by XXXX  XXXX XXXX from another company which took me through a rehab program to get the loans in good standing. As is common practice for all loans that are received by XXXX  XXXX XXXX, the loans were placed according to them, on to a " standard '' payment plan. After not too long I decided that I wanted to move them over to a more affordable payment plan, so I went through the process of applying for income driven payments. 

At the time of requesting the move, I was told I had two options,  either go in to forbearance which would allow me to stop making payments whilst my application was processed or allow my loans to default for non payment. Well I didn't want my loans to go in to default again so I went along with the forbearance idea, but at the time they did not tell me that the interest ( approximately $ 9k ) would be moved from total interest across all loans to the principle amount. 

This means that I am now paying interest on interest which is totally unreasonable. I was neither told about this nor did I request it. 

Prior to this the figures were approximately : $ 37k principle $ 9k interest Since the shift in XXXX of this year, my principle then became $ XXXX and I am now paying an average interest rate 4.88 % per year. 

Just to keep my loan where it is now I have to pay 4.88 % of $ XXXX per year forever, until the loan is paid. This is totally unreasonable and I did not request this. My interest should still be $ XXXX and that should be the interest to be paid, not 4.88 % of $ XXXX. 

XXXX  XXXX XXXX needs to be investigated for this type of behavior. Lets be honest, nobody would be in the business if they weren't making money but to do it this way is very deceitful and underhand. I of course asked them whether this could be reversed but they told me once it's done it's done. I asked them if this happens to everyone that goes through this process and I was told YES. 

They need to be held accountable!
Repeated phone calls at all hours from XXXX, XXXX, NH. Company called LVNV Funding. Attempt to 'collect ' a debt closed in 1990.
I have a mortgage with Mr. Cooper, acct. # XXXX. I had auto payments set up through XXXX XXXX for $ XXXX/mo. I received a statement last month showing that I was short {$240.00} with no explanation and my {$3500.00} was unapplied. I called a few days ago to inquire why the monthly payment was increased and was told that the loan had just adjusted to 5.25 %. I had never received notice of the increase and the person I talked to said it was sent to an address I had not used for 4 years although I have been getting monthly statements to my current address for almost a year. She emailed the rate/payment change notice and I have paid the new payment for XXXX as well as the XXXX shortfall. I found out during a loan application that Mr. Cooper had already reported a delinquency to the credit bureaus several weeks ago which caused me to get turned down by a lender who had approved a loan 1 % lower prior to this report and I wound up having to go with another lender at a higher rate. 
My complaint is that I had no knowledge of the rate increase since notice was mailed only to an old address ( presumably returned to the sender ). I did not receive any notification by phone or mail but instead reported to the credit bureau which has cost me about {$7000.00} a year on the new loan. 
Thanks.
XXXX XXXX XXXX, is reporting an unpaid account in my maiden name for an unpaid account that was sent to collection. I contacted them after disputing the account but the company certified it as accurate with Experian. The address was for an address that has never been associated with me. I haven't used my maiden name for at least 15 years and I had XXXX for 14 years. I haven't had XXXX XXXX XXXX for 20 years and didn't owe a balance and I've never had services with XXXX. Clearly XXXX  XXXX should not be certifying this debt as accurate on my credit report. It is false.
have had items deleted from my report only to have them reappear by the companies reselling my information to another collection company this has gravely affected my abilities to obtain new credit and is also seen as identity theft as the companies are sharing personal information by means of selling it request and demand for any negative items reporting to immediately be deleted including credit inquiries on all XXXX major reporting companies
We filed Chapter XXXX on XX/XX/XXXX. Toyota was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
Toyota is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from XXXX.
I sell XXXX over the XXXX. On XXXX instances in XXXX - XXXX various dates 2015. I received bofa account holder to my bofa account transfers which corresponded to XXXX transactions on XXXX where I sold XXXX in exchange for these money transfers. The offender was XXXX person XXXX XXXX XXXX. A total of {$2800.00} in total sales were reversed mid XXXX 2015 when XXXX XXXX XXXX claimed the transfers were unauthorized. I do have selfies identifying XXXX XXXX XXXX picture taken next to her passport. Bank of America put a hold on both my checking and savings account for {$800000.00} dollars each for a total of XXXX XXXX dollars. Even though I had enough funds in my account to handle the reversals.It 's as if they considered me a party to her fraud. They eventually closed my account they have not given me a way to respond. XXXX in the fraud department told me he would provide me with information regarding responding but never did. The balance over and above the reversed amount is still being held by Bank of America.
I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.
Actually I just filed another complaint a couple seconds ago and then saw something else disturbing with my account, Bank of America is stating I have n't made a payment since XXXX/XXXX/15 which simply is not correct. I logged into my bank account and have payments that were processed since then. This is all on autopay so there 's no oversights ... Just one more issue that shows the incompetence of BOA!!!!!!!!!!! 

Attached is a printout of the 'last payment ' ( XXXX paragraph ) and also shows how they are indicating I owe much more than I do. 

Add yet one more issue to the long list, so if in their records I have not made a payment since XXXX, why just now am I receiving notice of this ( 3 months later )!?!?!? How much in fees have they been charging while providing no notification..???
On XX/XX/XXXX I check my credit report to find out that 5 negative accounts and one collection were inserted back on to my report also a total of 11 inquiries. On XXXX XXXX, 2017, i called to get and explanation of why I was treated horribly and as if I was a liar by 2 reps and a supervisor. I offered to send copies of my previous reports and they refused and informed me to file a complaint because they did nothing wrong. I pull the hard copy of my report from XXXX 2017 and XXXX 2017 to make sure I was seeing everything correctly. The account readded were XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. The inquiries that were reinserted were XXXX, XXXX, XXXX, XXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Per the FCRA I must be notified within 5 days which has not happen. I have been violated by Equifax and request that these items be deleted permanently and an updated report be sent out.
On XX/XX/XXXX I contacted National Credit Systems in regards to balance against my credit due I did not receive any notification validating the debt. I don't understand how I could be owing a debt of a place I did not stay and I would not owe a debt to any place I live at due to at the time I had section 8 housing where the housing authority paid 100 % of my rent. There is a difference of filling out an application for a place of residency and actually moving in. Even if you signed a lease but never took legal ownership of the place of residency due to finding another place else where then how could this be a debt that I owe. I have reached out to national credit system due to them not sending validation Statements in which if they did it was sent to the wrong address. Also in XX/XX/XXXX I called and spoke to XXXX rep and advised that they are not able to call me due to the cease letters sent to them and the fact that they are placing a debt on my credit report they are not the original creditor in which they are violating FCRA laws. 
Also on XX/XX/XXXX after I had the 3 bureaus sent a validation letter to national credit system they sent a debt postcard and also they placed an embarrassing stamp on note on a letter they sent. It also included publishing my name on a bad debt list which was not fair without proper validation sent.
First called from a local number then left a voicemail that stated they were from some place called Regional Processing out of XXXX Ga. They threatened legal action stating I owed money to a place called XXXX XXXX and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.
I had a account With TD Bank and when I would get My check Direct deposit some of my check was missing things did n't add up. When I spoke to A Representative t try a straighten out no one was no help.I was of money my rent was back up because of it that happening to me. Then they said I had a lot of drafts which I did n't. So I stop using TD Bank
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for an account with CitiBank/CBNA, XX/XX/XXXX that he never authorized. A dispute of the inquiry was sent certified mail to CitiBank/CBNA XX/XX/XXXX. CitiBank/CBNA responded to my client with a letter informing his " no account was found '' for dispute. We were not disputing an account we were disputing a fraudulent application that resulted in an inquiry.
Deep South Financial Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.