WillisBack/dataset-financial-user-claim huggingface dataset:
i have received a loan modification and am up to date on my payments but i keep getting threatening phone calls, letters, saying i am not. i get harassed on a daily basis. finally they put me through to a supervisor who says the system is not updated yet. this has been going on for 3 months.
I am not sure if this falls within your scope, but American Express has refused to help me because I can not get a driver 's license as I am legally XXXX. I have attempted to get my name changed to my legal ( married ) name for 2 weeks. I have provided them with a copy of my state issued ID card, which has worked fine for everywhere else, but they refuse to accept it because Arizona ID cards do not have expiration dates on them. They have lied to me multiple times, claiming they emailed me ( They did n't ), that their systems were down ( Hard to believe ) and that I would get a call back from a manager ( I have n't ). All I want is for them to not treat me differently because I am physically incapable of getting a driver 's license.
I made a payment of XXXX to my Kohl 's charge and I was still reported late. I have hard some hard time financially. I have experienced a house fire and ID theft.
The only response this criminal and looting organized had is describe below. This looting organizer are the real face of the most corrupted financial institution in this planet. This is the company we are dealing with and lying in order to cover their criminal and fraudulent activity that must be stop permanently. The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives not allow criminal and looter organizer like Phelan Halinam to defraud people and disrespect CFPB with deceiving tactics and cover up of their criminal activity. Financial scammers institution will go to any extreme to defraud consumer. 
The Consumer Bureau advocates strongly for consumer control of the consumers data and transparency. Phelan Halinam ca lie but not with my family They will pay {$260000.00} regardless of their criminal activity and their death treats done via XXXX .This garbage will never intimidate me this will only make me storing The new Management of CFPB is to reach to state holder in order to hold more town halls meetings since CFPB intention is putting consume above financial that cheat them. Today, the Consumer Bureau is releasing a set of consumer protection principles intended to reiterate the importance of protecting consumers as the market for services using consumer-authorized financial data develops.
I opened a new online with Suntrust online on XX/XX/XXXX. A debit card was supposed to be issued to me. I called Suntrust customer service on XX/XX/XXXX to inquire if the debit card had been sent because I did not receive it. I was advised to wait until Monday XX/XX/XXXX to see if it arrived by then. However, I never received the debit card. 

On XX/XX/XXXX, I logged onto the account online and saw a {$480.00} withdrawal that had been made on XX/XX/XXXX. I called Suntrust to report this as fraudulent because I never received the card. I received an automated email from Suntrust on XX/XX/XXXX stating there was a hold on a deposit made on XX/XX/XXXX I logged onto the account online and saw an ATM deposit of {$5500.00} had been made. I did not make this deposit and I reported this as fraudulent activity as well, through the Suntrust website. 

At some point during the next week, my online account access was revoked. On XX/XX/XXXX, I received two form letters, one for each claim, stating that my claims were denied. On XX/XX/XXXX, I called the phone number listed on the form to determine why the claims were denied. The customer service agent would not provide any information but stated that I could request that documentation be provided to me. I made a request for the documentation to be emailed but was told it could only be sent via mail. So I requested that it be mailed to me. However, I never received any documentation. I was told that I could appeal the decision and that a rebuttal form would be sent to me. I received that form via email on XX/XX/XXXX. 

On XX/XX/XXXX, I also went into a local branch for assistance with the issue. I was notified that my online account access was revoked because the account had been frozen. I asked to withdraw the funds remaining in the account but was told I would not be able to do so. On XX/XX/XXXX, I returned to the local branch with the completed rebuttal forms and they faxed them to the fraud department along with completed affidavits of fraud. I attached the police report showing that we had reported mail being stolen along with hotel and rental car receipts showing that I was in Arkansas when the fraudulent transactions occurred in Georgia. 

Despite calling numerous times over the next month, I was never given any information about the status of my case or allowed to access my remaining funds. On XX/XX/XXXX, I received emails stating that my fraud claims were denied. After calling and speaking with customer service, I was told that I could not appeal again. No explanation was provided as to why the claims were denied. Once again, I made a request for the documentation to be provided re the denials. To date, I have not received any documentation and Suntrust continues to hold the funds remaining in my account ( approximately {$500.00} ).
I have a checking and credit card account with Bank of America. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. 
On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. 
This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.
My Discover account was included in my bankruptcy filing back in 2010. Unfortunately, Discover has failed to honor the terms of that agreement ; they have consistently reported a past due amount to the credit bureaus even after I 've contested this matter via the credit bureaus and communication to their reps.
Experian Report # XXXX XX/XX/18 Experian has on this report XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX as wrong and the other one that is right showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX There should be no 2 address showing as the same by Experian. Every other month Experian has added information or add something on my credit file and keeps deleting the correct information. Every other month the same thing.
XXXX  XXXX XXXX refinanced my loan with the loan Brokerage company and received my escrow funds from XXXX XXXX and did not forward my escrow refund to me.
CITIBANK said I had a " bankruptcy and your account was included in the filing ''. There is nothing on my credit like this that has been reported in the last 20 years or more. If this is true, then it is in direct conflict of the credit reporting laws, that a major institution can hold credit items against you that may or may not have occurred 20 years ago. I did file bankruptcy once, about XX/XX/XXXX-XX/XX/XXXX, but I bought a home, receiving a mortgage in XX/XX/XXXX. Since then there is nothing other than some old medical bills from XX/XX/XXXX when I became XXXX.
On XX/XX/XXXX I called partner financials to inquiry as to why I have not been receiving paper billing because I noticed XXXX XXXX a company I use to monitor my credit appears to have late payments. My payments with partners financial were auto debited for the last 2 years and somehow stop being debited from my checking account. I spoke to XXXX to help me with a payment plan because I was about to become three months late and requested once payment has been made to please remove the late payments from the credit bureaus as it will affect my ability to return to school and obtain additional student loans. The representative stated we have been sending emails not paper bills. I ask her to confirm the email and she stated she had an old email I no longer use. My payments are about $ 160/month plus ( {$14.00} interest ) and may vary due to interest. I am past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now accumulated to {$680.00}. XXXX the representative stated to me " you should have thought about paying your debt and not our fault your late and now you need to pay {$510.00} to get your account up to date. I just graduated XX/XX/XXXX and do not have a job in what I have majored for. The Representative was very rude, cold, unprofessional and inconsiderate. When I ask to speak to a manager the representative disconnected the phone. The representative was an a very harassment mode and should not be tolerated when Partners financials is not doing due diligence and helping students by damaging there credit and not sending out paper billing. This is extremely unfortunate for students trying to pursue a degree and better future. Today I paid {$680.00} to partners financial to bring my account up to date. I am hoping this matter is taken seriously and I am seeking for a resolution. More students may start coming forward and complaining about how partners financial conducts business and there behavior. I do not have any statements to show at this time because I 'm receiving any paper billing from partners financial
A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX  report of {$98.00} that should not be on my report because it was fraudulent.
1 ) When I signed up in-flight for this credit card, XXXX promised an in-flight signup promotional bonus of XXXX miles on top of the XXXX miles that I would get by hitting a spending limit in the first year. I received the XXXX miles but customer service did not get back to me about the promotional bonus. And then they took away my XXXX miles even though they promised they wouldn't let it expire while they looked into this other issue. 

2 ) They created an additional frequent flyer account in addition to my existing one, despite promising me that they would be issued to my existing account. I couldn't use the combined amount and customer service never got back to me about resolving this issue. 

3 ) XXXX/Barclay never sent the {$100.00} voucher for meeting the spending limit and flying a XXXX   flight.
I have been a victim of identity theft four times in one year and I have contacted Equifax and sent them the police report and the federal trade commission affidavit and had the complete premier plan with unlimited service and when I tried to update my credit report it says that I have an order in progress so I have to call Equifax to update my report and they most of the time send me all over the place from XXXX to the XXXX special fraud department to verify my info and I did over 50-100 times and sent numerous trouble tech tickets to try to fix the problems numerous times and there solution is to cancel my service instead of fixing the problem. they still collected my money for there service and I did n't have unlimited service. I have stayed and transfer from rep to supervisor and wrote numerous complaints to Equifax and the better business bureau office to consumer protection tom foreslong, Equifax consumer protection XXXX XXXX and no one can help. XXXX XXXX said she does n't deal with the problem. so how can I monitor my Equifax. cause in XXXX I had a fraud alert on my credit report and I took it off and some one XXXX tried to get credit I did a police report and sent it to Equifax. but still have to call even though I have unlimited service and Equifax numerous times instead of trying to fix it they cancel my service but did n't return my money. but still charging me. who else are they doing this to. we have no recourse or help they do n't care they do n't fix the problem. they wont call you. or follow through
To Whom  it May Concern, O n or about  XXXX   XXXX ,  XXXX , I consolidated my debt and applied for a home equity line of credit with Bank of America to pay it off. The original documents show that the line of credit amount applies for as a revolving credit arrangement was {$65000.00} which would be advanced to me at my request. So far the amounts requested as of  XXXX   XXXX ,  XXXX  total {$5200.00}. Payments were being automatically deducted from my checking account (  XXXX   ) to  Bank of America each month to satisfy these amounts per there instructions. On or before  XXXX   XXXX ,  XXXX , I contacted Bank of America to inquire about the terms of the line of credit and the payments made against it and was notified that the loan amount had not yet been satisfied. It was brought to my attention by the Bank of America representative that the line of credit amount was instead increased by approximately {$59000.00} on  XXXX   XXXX ,  XXXX  and automatic withdrawals would continue until the full line of credit was satisfied. At that time, I notified  XXXX  to terminate the payments to Bank of America Bank and decided to make check payments to Bank of America until I could determine the extent of the error with the line credit amount from bank.   I have contacted numerous representatives at Bank of America including the  Executive Management team of the Bank of America Fraud Department (   XXXX   XXXX ,  XXXX  ),  XXXX   XXXX ,  Manager, Home Equity Fulfillment  Department and local  XXXX  Branch Manager,  XXXX   XXXX   (   XXXX   XXXX ,  XXXX  ) on multiple occasions to request copies of any documentation confirming my transaction for advance of the additional loan amount of approximately, {$59000.00} which I contend is an error. So far, Bank of America has refused to provide the requested documentation and instead repeatedly sends me all the payment and account transaction history statement of the payments which where automatically deducted from my authorized  XXXX  checking account and the subsequent check payments I opted to send in lieu of the latter automatic payments.
I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.
On XX/XX/XXXX i wires {$9000.00} to coinbase/XXXX and as of today XX/XX/XXXX i have not received my deposit in my account. My bank confirmed the transaction was completed onXX/XX/XXXX. 
Tracking XXXX XXXX Sent to : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX I emailed XXXX support on XX/XX/XXXX and got a response that they were will get back to me. Then on XX/XX/XXXX i called support and were told that they will eacalate the issue. Then XX/XX/XXXX i called again and was told there was nothing they can do for me and i will just need to wait.
In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.
On XXXX occasions within the last XXXX months, my credit card company reduced by credit limit by the amount in which I paid down my credit card balance, causing me to continuously have a high ratio and negatively affecting my credit score. For example, with a balance of {$700.00} I paid {$100.00} and my credit limit was reduced to {$600.00}. Recently, I paid my balance down to {$390.00} and my credit limit was reduced to {$400.00}.
Twice for the last two years I have gone into Bank of the West at XXXX XXXX XXXX, XXXX XXXX, California XXXX to claim my trust/inheritance and the same bank informed me that such an account does not exist. My account is currently inactive and sits within the above mentioned Bank of the West within its own account under my social security number.
Capital One calls every other hour from different numbers. I spoke with them once saying when I could pay. They said they would note my time but still have been calling consistently.
I sent a letter to Transunion. 
XXXX and XXXX have removed any reference to XXXX XXXX XXXX from my credit file. The certified communication was dated XXXX XXXX, 2016. As of this date TransunionXXXX has reference to XXXX XXXX XXXX on my file. I enclosed copies of my certified birth certificate, social security card and current driver 's license which indicates XXXX or XXXX XXXX AND NO MIDDLE INITIAL. Can you please help resolve this dispute? Thank you.
American Express has decreased my credit line - which in essence increases the minimum monthly amount due and may possibly cause other creditors to do the same.
Someone used my paypal account and linked XXXX XXXX checking account to make XXXX transactions NOT authorized by me. XXXX happened on XXXX for {$220.00} from code XXXX and XXXX on XXXX for {$210.00} from XXXX ( notes saying code XXXX ). Paypal was able to refund the first but closed the second with nothing found.I changed passwords since then, today, on getting the resolution, I was again not able to log into paypal and had to reset passwords again. 
Simple XXXX search for XXXX " site may be hacked ''. This looks like a broad issue, where someone tried and was able to move the money outside US and now paypal is not helping looking into issue. I dont have any way to disconnect my bank from paypal and paypal allows people to pull money from bank instead of CC even my setting is to use CC first. 
This is unauthorized and I dont even know these people/firm/company or ordered anything from them. I need help to resolve and get my money back.
I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX.
I had a GA tax lien on my credit report since  XXXX  in the amount of {$1400.00} that has been paid a nd satisfied.I requested for t he lien to be removed from all  XXXX  credit bureau agen cies. ( E quifax,  XXXX  and  XXXX   ) b ut has not bee n done.The GA State tax said they do not report to credit burea u and  XXXX  GA  Superior court sai d they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting my credit score significantly and I desperately need help getting this removed.
I purchased a house in 2018 and took out a mortgage with PNC Bank. The property taxes on the house were due XX/XX/2018 and PNC did not pay them. I contacted PNC in XXXX and they said they had made a mistake and would pay them immediately. Today I found out they had not paid them. I called them again and they would not tell me when the overdue taxes would be paid or why they had not paid them. 
The loan number is XXXX. 
PNC 's telephone number is XXXX XXXX XXXX.
In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX ) to the credit bureaus of XXXX  and equifax, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but XXXX  and equifax never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a XXXX XXXX XXXX XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.