WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas Area XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX 3 XX/XX/XXXX/XX/XX/XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both Feet  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 XXXX XXXX XXXX XXXX XXXX {$1500.00} 2 Central States {$190.00} 3 Central States {$610.00} 4 Central States {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of XXXX XXXX XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was  {$500.00}, Not {$1800.00} Thank You
Hello, My husband and I have a mortgage account with Bank of America and are extremely frustrated with the mishandling of our account, below are details of our complaint : We filed for Chapter XXXX Bankruptcy protection in XX/XX/XXXX to avoid Foreclosure, this was due to the increased payment amounts. We modified our mortgage around the same time and were able to save our home. Since the modification we have made every single payment on time. My bankruptcy finally discharged on XX/XX/XXXX, once Bank of America received the discharge paperwork they immediately proceeded to Bill me for an extra payment they said is missing ; from XX/XX/XXXX. They used funds from this payment to cover administrative bankruptcy fees that were never approved by the court and a proof of claim was not valid, due to me no longer being in arrears, they retracted the proof of claim. I 've made several attempts to get them to understand this issue and make appropriate adjustments, but I receive a different answer every time. In addition to this issue, they 've also reported me late for several months during my bankruptcy, I believe this to be a direct FCRA Violation. They claim they have submitted corrections to the credit bureaus, but I have not received confirmation. Please assist me with getting the bank to comply.
Case number : XXXX Please note that I DO dispute the Bank of America response. The bank had no earthly interest in resolving the problem. With appalling inefficiency they asked the same questions time and time again and made me fax, email and send duplicate documents on a continual basis. This has gone on for many months even though they well knew that they would offer no relief. Their customer relationship managers insisted on making calls even though they well know that they had nothing to offer. They did this just to show that they were in contact. Bank of America refused the simplest request which was to change the due date from the first of the month to the XXXX of the month, the reason being that I receive my social security payment the XXXX Wednesday of each month. When I complained and explain that their idiotic requests were impacted on the health of an aged person they paid not attention and continued their harassment. Hopefully the government can take appropriate action against banks that take advantage of the consumer. If the bank would have told me immediately that they could not give relief I would have accepted their decision.
I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by the end of XXXX, but no points have yet been deposited.
I 've done extended research on how creditors and the XXXX credit bureaus report information on my credit report. I 've been monitoring my credit since XX/XX/XXXX, I did this in preparation to purchase my XXXX home. After I became a homeowner in XX/XX/XXXX, I kept monitoring my credit reports/scores with the intention of refinancing my home within the next year and be able to obtain a lower interest rate. This past week, my car broke down, therefore against my will, I found myself in need of a new car, this meant that I would have to allow a creditor to pull my credit and take the " hard-hit '' on my credit report. I looked for a new vehicle online for several days. I saved information of the vehicles I was interested in, I 've contacted the dealers and owners of the vehicles to make sure they were still available and at that point I scheduled time to go out and test drive the cars. After many days of researching pros and cons on my already narrowed-down choices, I finally picked the car I was comfortable buying. The car was at XXXX a dealership in XXXX XXXX, IL. I visited the dealer, XXXX a sales man greeted us ( my husband and I ) and showed us the car, we test drove the car and decided it was time to sit-down and negotiate on the price, we set-down with XXXX ( the sales man ). Once we started discussing financing options, I explained my situation and made XXXX aware that I was monitoring my credit meticulously, I explained my reasons and told him I would allow them ( the dealer ) to pull my credit report XXXX and mentioned that I did not wanted more than XXXX " hard-hit '' on my credit report. It was late at night, past their closing time. They kept coming back with offers on monthly payment that I was not pleased with. At this point, I was under the impression they were negotiating on the price, they did not mention they were allowing several banks to pull my credit report. We did not reach and agreement that night. Next morning, I looked at my phone and had XXXX alerts. It was not just XXXX but XXXX alerts from my credit monitoring account!!! The dealer decided to go against my will and in an effort to provide me with a lower interest rate, they had XXXX different banks pull my credit report, causing XXXX hard hits to my credit report without informing me of their decision. I am furious!!! I do not know if they 're aware of how difficult it is to establish and keep a good credit score. They have ruined years of hard work!!! I have spend the past years stressing about making sure every payment is on time ; making sure I do n't go over 30 % of my approved credit on all open credit accounts and in XXXX night and without my consent this dealer allowed XXXX different banks to performed a hard credit inquiry on my credit report. There must be something I can do to stop this from affecting my credit scores! Please help!
I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted XXXX and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one XXXX  account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed XXXX about the issue so I would have written documentation of the issue at hand. I finally got XXXX 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from XXXX ) called from XXXX, NE XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though XXXX says it's not.
Charles Schwab has illegally interfered with my bank account deposit of {>= $1,000,000}. 

Yesterday we wrote checks against this large deposit. 

My car purchased Sunday ( XXXX XXXX ) on Sunday and wrote a $ XXXX+ to pay for it. 

These stockbrokers should be assessed a {>= $1,000,000} for this fraud.
My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.
LVNV FUNDING LLC- is attempting to collect debt indicated on my credit report acct # XXXX, which it claims I owe {$490.00}. I have sent LVNV Funding two certified letters on XXXX/XXXX/16 ( received on XXXX/XXXX/16 ) and XXXX/XXXX/16 ( received on XXXX/XXXX/16 ), asking to validate the debt that it claimed against me. LVNV Funding failed to provide validation of debt and simply replied the debt is owed by me. Without validation of debt bearing my signature, I asked LVNV Funding to remove their derogatory remarks on all XXXX credit bureaus but they have failed to do so.
I was affected in the XXXX 2017 Equifax data breach. My information about my entire adult credit history with stolen. It is ridiculous in this day and age that these attacks are allowed to be perpetrated against an organisation so large in the United States. It is absolutely unacceptable that an organization basically run and condoned by the federal government has allowed such an attack to happen against American citizens. 

Americans do not have a choice in this matter, there is no third-party service that we can go through for reporting our credit and storing our information. This has caused basically the entire adult population of the United States to be at risk for identity theft, and has caused undue stress trying to jump through hoops to prevent issues in the future with stolen identities. 

On top of this issue already being severe, the three credit reporting agencies are trying to charge people to place a credit freeze and protect their information that they allowed to be breached. 

This situation is unacceptable and the United States government needs to step in and protect all of our identities and information in this day and age of Technology. The companies responsible need to be punished severely, and the people affected need to be reimbursed appropriately for their time, effort, and damages. 

I am in the process of freezing my credit reports with all three bureaus, trying to place an extended fraud alert on my credit, and also trying to file a police report for the identity theft. Hopefully if these are successful, I will not have to worry any further. But if not I expect to be reimbursed by either the company or the government for all damages I have incurred personally, financially, and otherwise. I expect to not be responsible for any fraudulent activity using my credit, and be rewarded damages for my financial losses and personal losses such as time, expenses Etc ... 

This is absolutely not okay and future legislation, rules, and regulations need to be set in place along with very stringent security standards for our information.
I have been contacting Ally Financial, who appear on my credit file as Ally Finan I numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Made ATM deposit at CompassBank in XXXX, TX with 2 checks. ATM didn't give recpt and no record of dep on XX/XX/2018. I called custmr serv and put in dispute XX/XX/18.Went to bank XX/XX/2018, they found checks ( XXXX and XXXX ) said unable to give credit research with XXXX XXXX and takes up to  10days. I informed branch manager my landlord charging late fees and possible eviction. He said show them a copy of research request. Didn't write letter. Landlord req letter to offset fees which totaled over {$200.00}. I called customr serv again for letter XX/XX/18, they said will send lettr in mail and go to branch to hav faxed copy. Again, go to branch in XXXX, TX XX/XX/18 they said non letter was there from customer service. While at branch I called custmr servc spoke to suprv, she said would hav fax sent to branch in 3 hours. I go back still no letter after 3 hrs, called cust service and again I spoke to another supervisr, extremely frustrated due to agent said he was told by anothr suprv they WOULD NOT send a letter because the day before they refunded checks. I asked to spk to that supvr, he got on phone and identified himself as XXXX XXXX and yes I was not going to get the letter and the prev supervisor had given wrong information. Said to hav branch call and ask for Dept One.  Branch employees looked surprised he was giving this info. While I was speaking to branch, XXXX XXXX hangs up the phone. While I understand there is a process, I should not be penalized for deposit not showing up, causing possible bad credit with my landlord and fees. XXXX XXXX is a poor example of a CUSTOMER SERVICE supervisor. Poor skills almost " defamation of character '' in regards to talking about previous supervisor. Also against the company that he works for. When I told him I would file complaint he said " you should ''. The original request for letter was XX/XX/2018. Told XX/XX/18 they would give a letter and at that time checks were still not credited.
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX,  under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX
Hi, I suspect that my consolidated student loan with Navient is not being serviced correctly, which is causing me to pay more in interest. Specifically, the Navient website does not allow me to apply principle payments specifically to the unsubsidized portion of my loans. Also, I suspect that my payments on loans that are in deferment due to my graduate student status are being applied as refunds incorrectly. I do no know exactly how this is suppose to work, but I am noticing " accrued interest '' charges even though I am paying principle and interest on time. I have tried to contact Navient via the customer service feature on the website, but have received no reply. 
Thank you for your work looking into this!
I keep getting phone calls from several phone numbers leading back to Diversified Consultants , Inc . They have left one phone message threatening me that they were going to call the police on me and have me arrested if I don't show up in court. The other times they just call and don't leave a message. I block the calls but then they call back only with different last four digits. The only credit cards I have are the ones I currently use and make monthly payments on them and have had no problems with the companies.
I recently opened an Amex Gold card and went through the general process of application to receiving the card no problem. I then had a few transactions in the city of of residency for very low amounts and found out that my card ended up not being able to swipe on the third or fourth transaction. I called in to inquire why and was told that they could not give me more information because they would contact me on the number on file for security reasons and also told me that they had given me a call. Both of these things I 'm certain did n't happen so I went online and checked my number and it was correct. Amex had me open a new line then failed to provide reasonable stated services and blocked my account. Now when I call in, the wait times on their fraud department is over XXXX minutes ( still on hold right now waiting for a representative ). I will fail to receive my early spend bonus if they keep me blocked.
Portfolio Recovery Associates is telling me I owe them {$6500.00}. This is originally from a XXXX XXXX credit card. As Ive explained umpteen times to XXXX XXXX, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!
I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????
Coinbase is a digital currency exchange. They promised all customers that held any amount of bitcoin on their exchange on XX/XX/XXXX that they would be credited with the same amount of bitcoin cash by XX/XX/XXXX. Customers had a choice of storing their bitcoin in a " digital wallet '' or in Coinbase 's secure " multi-sig vault. '' Coinbase pushed customers to store their funds in the " multi-sig vault, '' as the vault was advertised as extremely safe. 

I had 1.9+ bitcoin 's stored in Coinbase 's multi-sig vault on XX/XX/XXXX. On XX/XX/XXXX, Coinbase added bitcoin cash to their exchange and credited all customers who stored their bitcoin in a digital wallet on coinbase 's exchange on XX/XX/XXXX. However, they did not credit any customer who stored their bitcoin in coinbase 's multi-sig vault. On XX/XX/XXXX, coinbase emailed me stating that they have credited everyone, accept people who stored their bitcoin cash in the multi-sig vault. They stated that they are having technical issues and their engineer team is working on the issues. They provided no timetable as to when I will receive my bitcoin cash. 

I have emailed Coinbase 4 times ( without receiving a response ) and I 've spoken to customer service reps/managers at least 5 times since XX/XX/XXXX. Nobody can provide me an answer as to when I will have my money and they just state that the issue is being worked on. 

On XX/XX/XXXX and XX/XX/XXXX, bitcoin cash was worth between {$3500.00} and {$5000.00} a coin. Today, bitcoin cash is worth {$2600.00} a coin. Coinbase created an unfair market and allowed customers to sell their bitcoin cash on XX/XX/XXXX and XX/XX/XXXX for {$3500.00} to {$5000.00}, whereas, I was not provided this opportunity. Coinbase has essentially stolen my bitcoin cash and my ability to make money trading other digital currencies. I was planning on selling my coins as soon as I had access to them. If I would have been credited with my bitcoin cash on XX/XX/XXXX, just like the majority of customers, I would have sold at {$5000.00} a coin, for a total of {$9500.00}. If I was credited with my bitcoin cash today, and sold, I would receive {$4900.00}. Coinbase has cost me at least {$4600.00}, due to their unethical business practices. 

Coinbase has not provided any additional information in 23 days, and they will not release my money to me. Before coinbase added Bitcoin cash and credited customers storing their bitcoin cash in a digital wallet on coinbase, they knew they would not be able to credit customers who stored their bitcoin cash in the multi-sig vault. Yet, Coinbase made the unethical decision to add the digital currency to the exchange and to credit some customers. This is an unfair business practice and very shady.